Home Insurance in Providence, Kentucky
With a median home value of $60,300, Providence is 47% lower than the Webster County median.
The typical home in Providence was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 6 points above Webster County's 27%.
The housing stock in Providence is 65% single-family homes, 11% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
38% of owner-occupied homes in Providence carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Providence has an owner-occupancy rate of 58% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Providence - 68% - are primarily heated with natural gas.
Webster County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Webster County had 36 active NFIP flood policies as of September 2026. See the full Webster County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $60,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Webster County | 36 |
| 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)