Home Insurance in Scott County, Kentucky
The median home value in Scott County is $288,500, 40% higher than the Kentucky median.
The typical home in Scott County was built around 2000. About 10% of homes were built before 1960, about 12 points below Kentucky's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Scott County is 79% single-family homes, 11% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
72% of owner-occupied homes in Scott County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Scott County has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 72% of homes in Scott County are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively High), tornado (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Scott County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Scott County had 110 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $288,500 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 110 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)