Home Insurance in Elkton, Kentucky
Homes in Elkton carry a median value of $125,000 - 25% lower than the Todd County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Elkton was built around 1983. About 14% of homes were built before 1960, about 4 points below Todd County's 18%.
The housing stock in Elkton is 76% single-family homes, 7% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Elkton, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Elkton are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Elkton - 59% - are primarily heated with electricity.
Todd County had 32 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Todd County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kentucky carries a statewide average premium of $1,525 per year.
Key figures
| Median home value | $125,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Todd County | 32 |
| 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)