Home Insurance in Georgetown, Kentucky
With a median home value of $265,400, Georgetown is 8% lower than the Scott County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Georgetown was built around 2001. About 9% of homes were built before 1960, about 1 point below Scott County's 10%.
In Georgetown, the housing stock is 75% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 77% of owner-occupied homes in Georgetown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Georgetown has an owner-occupancy rate of 62% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Georgetown, 70% of homes are primarily heated with electricity.
Scott County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Scott County had 110 active NFIP flood policies as of September 2026. See the full Scott 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 | $265,400 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Scott County | 110 |
| 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)