Home Insurance in Mackville, Kentucky
The median home value in Mackville is $112,500, 37% lower than the Washington County median.
The typical home in Mackville was built around 1953. About 56% of homes were built before 1960, about 28 points above Washington County's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mackville is 84% single-family homes and 14% mobile or manufactured homes.
About 35% of owner-occupied homes in Mackville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Mackville are owner-occupied. The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mackville - 59% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Washington County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Washington County had 14 active NFIP flood policies as of September 2026. See the full Washington 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 | $112,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Washington 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)