Home Insurance in Versailles, Kentucky
With a median home value of $286,100, Versailles is close to the Woodford County median.
The typical home in Versailles was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 4 points above Woodford County's 20%.
Housing in Versailles breaks down to 76% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 57% of owner-occupied homes in Versailles have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Versailles has an owner-occupancy rate of 60% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Versailles, 57% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Versailles? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Woodford County and Woodford County had 147 active NFIP flood policies as of September 2026. See the full Woodford 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 | $286,100 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Woodford County | 147 |
| 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)