Home Insurance in Woodford County, Kentucky
The median home value in Woodford County is $299,700, 46% higher than the Kentucky median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Woodford County was built around 1984. About 20% of homes were built before 1960, about 2 points below Kentucky's 22%.
The housing stock in Woodford County is 87% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Woodford County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Woodford County are owner-occupied.
53% of homes in Woodford County are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively Moderate), tornado (Relatively Moderate) and earthquake (Very Low) as the leading hazards for Woodford County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Woodford County has 147 active NFIP flood policies on file.
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 | $299,700 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Tornado (Relatively Moderate), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 147 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)