Home Insurance in Taylor County, Kentucky
The median home value in Taylor County is $174,200, 15% lower than the Kentucky median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Taylor County was built around 1978. About 18% of homes were built before 1960, about 3 points below Kentucky's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Taylor County is 77% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
53% of owner-occupied homes in Taylor County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Taylor County has an owner-occupancy rate of 69% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Taylor County - 57% - 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.
The top hazards for Taylor County, per FEMA's National Risk Index, are strong wind (Relatively High), hail (Relatively Low) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Taylor County has 26 active NFIP flood policies on file.
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 | $174,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 26 |
| 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)