Home Insurance in Woodburn, Kentucky
With a median home value of $181,300, Woodburn is 30% lower than the Warren County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Woodburn was built around 1965. About 42% of homes were built before 1960, about 29 points above Warren County's 13%.
In Woodburn, the housing stock is 85% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Woodburn, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 96% of occupied homes in Woodburn are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Woodburn - 69% - are primarily heated with natural gas.
Warren County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. Warren County had 131 active NFIP flood policies as of September 2026. See the full Warren County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $181,300 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)