Home Insurance in Uniontown, Kentucky
With a median home value of $61,900, Uniontown is 41% lower than the Union County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Uniontown was built around 1978. About 25% of homes were built before 1960, about 2 points below Union County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Uniontown is 66% single-family homes and 30% mobile or manufactured homes.
29% of owner-occupied homes in Uniontown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Uniontown has an owner-occupancy rate of 68% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
59% of homes in Uniontown are primarily heated with electricity.
What's the biggest home insurance risk near Uniontown? FEMA's National Risk Index points to earthquake (Relatively Low) in Union County and Union County had 14 active NFIP flood policies as of September 2026. See the full Union 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 | $61,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Union County | 14 |
| 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)