Home Insurance in Warren County, Kentucky
Homes in Warren County carry a median value of $258,000 - 25% higher than the Kentucky median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Warren County was built around 1993. About 13% of homes were built before 1960, about 9 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 Warren County is 65% single-family homes, 19% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Warren County, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Warren County has an owner-occupancy rate of 56% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Warren County - 57% - are primarily heated with electricity.
Per FEMA's National Risk Index, Warren County's top hazards are hail (Very High), tornado (Relatively High) and earthquake (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Warren County has 131 active NFIP flood policies on file.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $258,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Hail (Very High), Tornado (Relatively High), Earthquake (Relatively Moderate) |
| Active NFIP flood policies (county) | 131 |
| 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)