Home Insurance in Williamsburg, Kentucky
With a median home value of $113,300, Williamsburg is 14% lower than the Whitley County median.
The typical home in Williamsburg was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, about 3 points above Whitley County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Williamsburg is 48% single-family homes, 17% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 28% of owner-occupied homes in Williamsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 36% of occupied homes in Williamsburg are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Williamsburg - 54% - are primarily heated with electricity.
FEMA rates Whitley County's overall risk as Relatively Low, led by wildfire (Relatively Low). Whitley County had 51 active NFIP flood policies as of September 2026. See the full Whitley County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kentucky carries a statewide average premium of $1,525 per year.
Key figures
| Median home value | $113,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Whitley County | 51 |
| 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)