Home Insurance in Guthrie, Kentucky
Homes in Guthrie carry a median value of $134,200 - 19% lower than the Todd County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Guthrie was built around 1974. About 30% of homes were built before 1960, about 12 points above Todd County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Guthrie is 75% single-family homes, 7% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
59% of owner-occupied homes in Guthrie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 55% of occupied homes in Guthrie are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 75% of homes in Guthrie are primarily heated with electricity.
What's the biggest home insurance risk near Guthrie? FEMA's National Risk Index points to earthquake (Relatively Low) in Todd County and Todd County had 32 active NFIP flood policies as of September 2026. 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.
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 | $134,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)