Home Insurance in Jamestown, Kentucky
With a median home value of $121,800, Jamestown is 25% lower than the Russell County median.
The typical home in Jamestown was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, about 4 points above Russell County's 10%.
In Jamestown, the housing stock is 50% single-family homes, 15% apartments in buildings with 5+ units and 18% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
33% of owner-occupied homes in Jamestown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 43% of occupied homes in Jamestown are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jamestown, 83% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Russell County had 9 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Russell County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kentucky is $1,525 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $121,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Russell County | 9 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)