Look up a ZIP
United States › Kentucky

Home insurance costs & natural hazards in Kentucky

Plain facts for Kentucky homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

Kentucky at a glance

Four numbers most homeowners ask about first.

$1,526
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$1,400
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.49%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

1 of 120
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

Kentucky in numbers
4.5M
residents (2020 Census)
5.2%
of policies had a paid claim (2022, median ZIP)
$11,249
average paid claim (2022, median ZIP)
11,856
single-family NFIP flood policies (2025)

What homeowners in Kentucky pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical Kentucky ZIP code saw homeowners premiums of $1,526 per policy in 2022, about the same as the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure held roughly steady between 2018 and 2022. The figures come from 466 Kentucky ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
KentuckyU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 11,856 single-family NFIP policies took effect in Kentucky in 2025, at an average full cost of $1,400, compared with $1,129 in 2022. About 80% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

11,856 policies
A zones 80%X/B/C zones 20%V zones 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of Kentucky's 120 counties FEMA rates relatively high or very high for each hazard. The most widespread are ice storm, strong wind and lightning. Open any county for its full hazard profile.

How the ratings work

Hazards across Kentucky's counties

Counties FEMA rates relatively high or very high

Kentucky counties

All 120 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

Typical home premium by county, 2022

Tap a county to open its page. White = not enough data.
Adair County: $1,432Allen County: $1,540Anderson County: $1,367Ballard County: $1,899Barren County: $1,542Bath County: $1,286Bell County: $1,278Boone County: $1,499Bourbon County: $1,345Boyd County: $1,394Boyle County: $1,515Bracken County: $1,410Breathitt County: $1,638Breckinridge County: $1,415Bullitt County: $1,503Butler County: $1,596Caldwell County: $1,563Calloway County: $1,774Campbell County: $1,356Carlisle County: $1,747Carroll County: $1,605Carter County: $1,385Casey County: $1,501Christian County: $1,698Clark County: $1,334Clay County: $1,575Clinton County: $1,352Crittenden County: $1,607Cumberland County: $1,449Daviess County: $1,527Edmonson County: $1,630Elliott County: $1,438Estill County: $1,392Fayette County: $1,493Fleming County: $1,288Floyd County: $1,660Franklin County: $1,292Fulton County: $1,802Gallatin County: $1,615Garrard County: $1,469Grant County: $1,446Graves County: $1,761Grayson County: $1,562Green County: $1,524Greenup County: $1,308Hancock County: $1,542Hardin County: $1,551Harlan County: $1,310Harrison County: $1,387Hart County: $1,450Henderson County: $1,667Henry County: $1,592Hickman County: $1,833Hopkins County: $1,714Jackson County: $1,489Jefferson County: $1,571Jessamine County: $1,474Johnson County: $1,626Kenton County: $1,312Knott County: $1,688Knox County: $1,370Larue County: $1,477Laurel County: $1,535Lawrence County: $1,571Lee County: $1,726Leslie County: $1,612Letcher County: $1,462Lewis County: $1,262Lincoln County: $1,366Livingston County: $1,584Logan County: $1,582Lyon County: $1,833McCracken County: $1,886McCreary County: $1,353McLean County: $1,519Madison County: $1,442Magoffin County: $1,666Marion County: $1,360Marshall County: $1,834Martin County: $2,255Mason County: $1,177Meade County: $1,475Menifee County: $1,385Mercer County: $1,410Metcalfe County: $1,435Monroe County: $1,530Montgomery County: $1,331Morgan County: $1,471Muhlenberg County: $1,590Nelson County: $1,458Nicholas County: $1,422Ohio County: $1,523Oldham County: $1,886Owen County: $1,618Owsley County: $1,749Pendleton County: $1,415Perry County: $1,653Pike County: $1,557Powell County: $1,390Pulaski County: $1,478Robertson County: $1,311Rockcastle County: $1,350Rowan County: $1,226Russell County: $1,392Scott County: $1,489Shelby County: $1,601Simpson County: $1,505Spencer County: $1,583Taylor County: $1,371Todd County: $1,530Trigg County: $1,727Trimble County: $1,621Union County: $1,711Warren County: $1,650Washington County: $1,559Wayne County: $1,445Webster County: $1,861Whitley County: $1,406Wolfe County: $1,749Woodford County: $1,549
under $1,385$1,385–$1,474$1,474–$1,557$1,557–$1,653$1,653+
CountyPremiumFloodFEMA rating
Adair County$1,432$1,438Very Low
Allen County$1,540$1,182Very Low
Anderson County$1,367$1,919Very Low
Ballard County$1,899$1,250Very Low
Barren County$1,542$1,750Relatively Low
Bath County$1,286$1,022Very Low
Bell County$1,278$1,512Relatively Low
Boone County$1,499$1,151Relatively Low
Bourbon County$1,345$1,888Very Low
Boyd County$1,394$1,331Relatively Low
Boyle County$1,515$1,450Very Low
Bracken County$1,410$2,320Very Low
Breathitt County$1,638$1,816Relatively Low
Breckinridge County$1,415$1,361Very Low
Bullitt County$1,503$1,226Relatively Low
Butler County$1,596—Very Low
Caldwell County$1,563$990Very Low
Calloway County$1,774$948Relatively Low
Campbell County$1,356$1,097Relatively Low
Carlisle County$1,747—Very Low
Carroll County$1,605$1,412Very Low
Carter County$1,385$1,349Relatively Low
Casey County$1,501—Very Low
Christian County$1,698$1,463Relatively Low
Clark County$1,334$1,623Very Low
Clay County$1,575$1,897Relatively Low
Clinton County$1,352—Very Low
Crittenden County$1,607$1,277Very Low
Cumberland County$1,449—Very Low
Daviess County$1,527$937Relatively Moderate
Edmonson County$1,630—Very Low
Elliott County$1,438—Very Low
Estill County$1,392$1,533Very Low
Fayette County$1,493$1,122Relatively Moderate
Fleming County$1,288$2,037Very Low
Floyd County$1,660$1,621Relatively Moderate
Franklin County$1,292$2,191Relatively Low
Fulton County$1,802$1,009Relatively Low
Gallatin County$1,615$1,788Very Low
Garrard County$1,469$1,414Very Low
Grant County$1,446—Very Low
Graves County$1,761$1,310Relatively Moderate
Grayson County$1,562$1,046Relatively Low
Green County$1,524—Very Low
Greenup County$1,308$1,322Relatively Low
Hancock County$1,542$1,125Very Low
Hardin County$1,551$1,339Relatively Low
Harlan County$1,310$1,280Relatively Low
Harrison County$1,387$1,630Very Low
Hart County$1,450$1,644Very Low
Henderson County$1,667$1,229Relatively Low
Henry County$1,592$1,667Very Low
Hickman County$1,833—Very Low
Hopkins County$1,714$1,309Relatively Low
Jackson County$1,489$1,691Very Low
Jefferson County$1,571$1,297Relatively High
Jessamine County$1,474$1,339Very Low
Johnson County$1,626$1,701Relatively Low
Kenton County$1,312$1,341Relatively Low
Knott County$1,688$1,893Relatively Low
Knox County$1,370$1,512Relatively Low
Larue County$1,477—Very Low
Laurel County$1,535$1,199Relatively Low
Lawrence County$1,571$1,703Relatively Low
Lee County$1,726$2,091Very Low
Leslie County$1,612$1,829Very Low
Letcher County$1,462$1,720Relatively Low
Lewis County$1,262$1,661Very Low
Lincoln County$1,366—Very Low
Livingston County$1,584$928Very Low
Logan County$1,582$1,447Relatively Low
Lyon County$1,833—Very Low
Madison County$1,442$1,312Relatively Low
Magoffin County$1,666$1,537Very Low
Marion County$1,360$1,351Very Low
Marshall County$1,834$958Relatively Low
Martin County$2,255$1,583Relatively Low
Mason County$1,177$1,939Very Low
McCracken County$1,886$1,136Relatively Moderate
McCreary County$1,353—Very Low
McLean County$1,519$1,486Very Low
Meade County$1,475$1,326Very Low
Menifee County$1,385$1,459Very Low
Mercer County$1,410$2,020Very Low
Metcalfe County$1,435—Very Low
Monroe County$1,530—Very Low
Montgomery County$1,331$1,823Very Low
Morgan County$1,471$1,683Very Low
Muhlenberg County$1,590$1,256Relatively Low
Nelson County$1,458$1,325Relatively Low
Nicholas County$1,422$1,833Very Low
Ohio County$1,523$1,248Relatively Low
Oldham County$1,886$2,272Relatively Low
Owen County$1,618$1,626Very Low
Owsley County$1,749—Very Low
Pendleton County$1,415$1,492Very Low
Perry County$1,653$1,830Relatively Low
Pike County$1,557$1,615Relatively Moderate
Powell County$1,390$1,535Very Low
Pulaski County$1,478$1,188Relatively Low
Robertson County$1,311—Very Low
Rockcastle County$1,350$1,464Very Low
Rowan County$1,226$1,319Relatively Low
Russell County$1,392$2,210Very Low
Scott County$1,489$1,488Relatively Low
Shelby County$1,601$1,542Relatively Low
Simpson County$1,505$980Very Low
Spencer County$1,583$2,100Very Low
Taylor County$1,371$1,337Very Low
Todd County$1,530$1,250Very Low
Trigg County$1,727$1,435Relatively Low
Trimble County$1,621$1,141Very Low
Union County$1,711$1,249Very Low
Warren County$1,650$1,359Relatively Moderate
Washington County$1,559$1,324Very Low
Wayne County$1,445—Relatively Low
Webster County$1,861$1,195Very Low
Whitley County$1,406$1,322Relatively Low
Wolfe County$1,749—Very Low
Woodford County$1,549$1,932Very Low

ZIP codes with the most flood policies

40165 Shepherdsville40219 Louisville40216 Louisville42303 Owensboro42301 Owensboro40059 Prospect41501 Pikeville40214 Louisville40601 Frankfort40118 Fairdale41144 Greenup42240 Hopkinsville

Practical next steps

Simple things Kentucky homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Look at your roof. Hail and wind claims often come down to the roof. Impact-resistant (Class 4) shingles can earn discounts in some states, and knowing your roof's age helps when you compare policies.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.