Home Insurance in Plum Springs, Kentucky
The median home value in Plum Springs is $163,000, 37% lower than the Warren County median.
The typical home in Plum Springs was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, in line with Warren County (13%).
In Plum Springs, the housing stock is 99% single-family homes.
In Plum Springs, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Plum Springs has an owner-occupancy rate of 75% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Plum Springs, 69% of homes are primarily heated with natural gas.
Warren County had 131 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). See the full Warren County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $163,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Warren County | 131 |
| 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)