Kentucky
Home insurance overview — 466 ZIP codes, 328 cities
Avg Premium (2025 Est.)
$1,715
+10.1% from 2022
Nonrenewal Rate
0.70%
5yr Storm Damage
$147.2M
Kentucky Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Lowes | 1 | $2,194 | 77 | High |
| Dunmor | 1 | $1,930 | 74 | High |
| Sedalia | 1 | $2,075 | 70 | High |
| Gracey | 1 | $2,023 | 70 | High |
| Martin | 2 | $1,946 | 66 | High |
| Jeff | 1 | $1,835 | 66 | High |
| Cerulean | 1 | $2,094 | 66 | High |
| Oakland | 1 | $1,901 | 66 | High |
| Cunningham | 1 | $2,206 | 65 | High |
| Hickman | 1 | $1,974 | 65 | High |
| Waverly | 1 | $2,036 | 65 | High |
| Mortons Gap | 1 | $1,862 | 64 | High |
| Nebo | 1 | $2,153 | 64 | High |
| Water Valley | 1 | $1,855 | 64 | High |
| White Plains | 1 | $1,932 | 63 | High |
| Earlington | 1 | $1,864 | 63 | High |
| Oak Grove | 2 | $2,530 | 63 | High |
| Sacramento | 1 | $1,863 | 63 | High |
| Hyden | 2 | $1,745 | 63 | High |
| Bremen | 2 | $1,885 | 62 | High |
| Hardin | 2 | $1,996 | 62 | High |
| Fancy Farm | 1 | $1,939 | 62 | High |
| Arlington | 1 | $1,859 | 61 | High |
| Sturgis | 1 | $1,885 | 61 | High |
| Crofton | 1 | $1,927 | 61 | High |
| Hickory | 2 | $2,189 | 61 | High |
| Barlow | 1 | $1,984 | 61 | High |
| Beattyville | 1 | $1,897 | 61 | High |
| Dexter | 2 | $1,898 | 60 | Elevated |
| Wickliffe | 1 | $2,139 | 60 | Elevated |
| Uniontown | 1 | $1,660 | 60 | Elevated |
| Buckner | 1 | $2,260 | 60 | Elevated |
| Worthville | 2 | $1,868 | 59 | Elevated |
| Powderly | 1 | $1,640 | 59 | Elevated |
| Campton | 1 | $1,888 | 59 | Elevated |
| Corydon | 1 | $1,994 | 59 | Elevated |
| Hazel | 1 | $1,834 | 59 | Elevated |
| Ferguson | 1 | $1,411 | 58 | Elevated |
| Bardwell | 1 | $1,950 | 58 | Elevated |
| Central City | 1 | $1,947 | 58 | Elevated |
| New Hope | 1 | $1,834 | 58 | Elevated |
| Harlan | 1 | $1,473 | 58 | Elevated |
| Clinton | 1 | $2,046 | 58 | Elevated |
| Rockholds | 1 | $1,576 | 58 | Elevated |
| Nortonville | 1 | $1,907 | 58 | Elevated |
| Beechmont | 3 | $1,691 | 58 | Elevated |
| Calvert City | 2 | $2,249 | 58 | Elevated |
| Hanson | 1 | $2,367 | 58 | Elevated |
| Big Clifty | 1 | $1,689 | 58 | Elevated |
| Belfry | 4 | $1,640 | 57 | Elevated |
| Symsonia | 1 | $2,021 | 57 | Elevated |
| Wingo | 1 | $1,928 | 57 | Elevated |
| Jenkins | 1 | $1,690 | 57 | Elevated |
| Prestonsburg | 1 | $1,843 | 57 | Elevated |
| Fulton | 1 | $2,064 | 57 | Elevated |
| Mayfield | 1 | $1,976 | 57 | Elevated |
| Murray | 2 | $2,033 | 56 | Elevated |
| Middlesborough | 1 | $1,367 | 56 | Elevated |
| Dawson Springs | 1 | $1,869 | 55 | Elevated |
| Paducah | 3 | $2,145 | 55 | Elevated |
| West Point | 1 | $1,597 | 55 | Elevated |
| La Center | 1 | $2,132 | 55 | Elevated |
| Slaughters | 1 | $2,099 | 55 | Elevated |
| Greenup | 1 | $1,557 | 55 | Elevated |
| Hindman | 2 | $1,926 | 55 | Elevated |
| Farmington | 1 | $1,850 | 55 | Elevated |
| Livingston | 1 | $1,435 | 55 | Elevated |
| Sonora | 2 | $1,688 | 54 | Elevated |
| Bandana | 1 | $2,189 | 54 | Elevated |
| Betsy Layne | 2 | $1,752 | 54 | Elevated |
| Manitou | 1 | $2,038 | 54 | Elevated |
| Sparta | 1 | $1,883 | 54 | Elevated |
| South Williamson | 3 | $1,748 | 54 | Elevated |
| Elkhorn City | 2 | $1,682 | 54 | Elevated |
| Sanders | 1 | $1,741 | 54 | Elevated |
| Cloverport | 1 | $1,552 | 54 | Elevated |
| Pineville | 1 | $1,527 | 53 | Elevated |
| Clay City | 1 | $1,596 | 53 | Elevated |
| Germantown | 1 | $1,367 | 53 | Elevated |
| Smithland | 1 | $1,933 | 53 | Elevated |
| Adairville | 1 | $1,774 | 53 | Elevated |
| Trenton | 1 | $1,823 | 53 | Elevated |
| Rosine | 2 | $1,723 | 53 | Elevated |
| Summer Shade | 2 | $1,660 | 53 | Elevated |
| Paintsville | 7 | $1,840 | 53 | Elevated |
| Beech Grove | 1 | $1,738 | 53 | Elevated |
| Guthrie | 1 | $1,722 | 52 | Elevated |
| Pine Knot | 2 | $1,649 | 52 | Elevated |
| Brooksville | 1 | $1,516 | 52 | Elevated |
| Livermore | 1 | $1,623 | 52 | Elevated |
| Westport | 1 | $1,747 | 52 | Elevated |
| Ghent | 1 | $1,754 | 52 | Elevated |
| Bonnieville | 1 | $1,640 | 52 | Elevated |
| Jackson | 1 | $1,813 | 52 | Elevated |
| Fountain Run | 2 | $1,792 | 52 | Elevated |
| Magnolia | 2 | $1,779 | 52 | Elevated |
| Clay | 1 | $2,101 | 52 | Elevated |
| Pembroke | 1 | $1,947 | 52 | Elevated |
| Kuttawa | 1 | $1,938 | 51 | Elevated |
| Louisville | 11 | $1,784 | 51 | Elevated |
| Carlisle | 1 | $1,588 | 51 | Elevated |
| Barbourville | 4 | $1,493 | 51 | Elevated |
| Madisonville | 1 | $1,922 | 51 | Elevated |
| Sharpsburg | 1 | $1,385 | 51 | Elevated |
| Morganfield | 1 | $1,857 | 51 | Elevated |
| Greenville | 1 | $1,943 | 51 | Elevated |
| Drakesboro | 1 | $1,783 | 51 | Elevated |
| Garrison | 1 | $1,492 | 51 | Elevated |
| Maytown | 1 | $1,826 | 51 | Elevated |
| Benton | 1 | $2,051 | 51 | Elevated |
| Berry | 1 | $1,642 | 51 | Elevated |
| Campbellsburg | 2 | $1,793 | 51 | Elevated |
| Pikeville | 3 | $1,801 | 51 | Elevated |
| Manchester | 1 | $1,773 | 51 | Elevated |
| Irvington | 6 | $1,703 | 50 | Elevated |
| Augusta | 1 | $1,538 | 50 | Elevated |
| New Castle | 2 | $1,705 | 50 | Elevated |
| Glencoe | 1 | $1,703 | 50 | Elevated |
| Centertown | 1 | $1,652 | 50 | Elevated |
| Grand Rivers | 1 | $1,811 | 50 | Elevated |
| Hopkinsville | 1 | $1,772 | 50 | Elevated |
| Eddyville | 1 | $2,095 | 50 | Elevated |
| Princeton | 1 | $1,762 | 50 | Elevated |
| Frenchburg | 2 | $1,535 | 50 | Elevated |
| Elizabethtown | 3 | $1,667 | 49 | Elevated |
| Owingsville | 1 | $1,540 | 49 | Elevated |
| Rineyville | 1 | $1,682 | 49 | Elevated |
| Fredonia | 1 | $1,769 | 49 | Elevated |
| Willisburg | 1 | $1,754 | 49 | Elevated |
| Spottsville | 2 | $1,786 | 49 | Elevated |
| Providence | 1 | $1,892 | 49 | Elevated |
| East Bernstadt | 1 | $1,681 | 48 | Elevated |
| Raywick | 1 | $1,450 | 48 | Elevated |
| South Shore | 2 | $1,437 | 48 | Elevated |
| Brownsville | 4 | $1,809 | 48 | Elevated |
| Williamsburg | 1 | $1,578 | 48 | Elevated |
| Crab Orchard | 1 | $1,520 | 48 | Elevated |
| Elkton | 1 | $1,544 | 48 | Elevated |
| Booneville | 1 | $1,888 | 48 | Elevated |
| Perryville | 2 | $1,595 | 48 | Elevated |
| Auxier | 1 | $1,484 | 47 | Elevated |
| Inez | 1 | $2,434 | 47 | Elevated |
| Phelps | 1 | $1,632 | 47 | Elevated |
| Russell | 1 | $1,520 | 47 | Elevated |
| Owenton | 1 | $1,724 | 47 | Elevated |
| Simpsonville | 1 | $2,343 | 47 | Elevated |
| Flat Lick | 1 | $1,525 | 47 | Elevated |
| Woodburn | 2 | $1,828 | 47 | Elevated |
| Radcliff | 1 | $1,552 | 46 | Elevated |
| Mount Vernon | 1 | $1,512 | 46 | Elevated |
| Island | 1 | $1,639 | 46 | Elevated |
| Salyersville | 1 | $1,821 | 46 | Elevated |
| Hazard | 1 | $1,838 | 46 | Elevated |
| Stearns | 1 | $1,487 | 46 | Elevated |
| Lewisburg | 1 | $1,884 | 46 | Elevated |
| Scottsville | 2 | $1,703 | 46 | Elevated |
| Cadiz | 1 | $1,919 | 46 | Elevated |
| Vanceburg | 2 | $1,350 | 46 | Elevated |
| Sebree | 1 | $2,065 | 46 | Elevated |
| Junction City | 2 | $1,572 | 46 | Elevated |
| Glasgow | 2 | $1,671 | 46 | Elevated |
| Verona | 1 | $1,867 | 46 | Elevated |
| Philpot | 1 | $1,782 | 46 | Elevated |
| Summersville | 1 | $1,549 | 45 | Elevated |
| Marion | 1 | $1,791 | 45 | Elevated |
| Horse Cave | 1 | $1,561 | 45 | Elevated |
| Boston | 1 | $1,680 | 45 | Elevated |
| Butler | 2 | $1,678 | 45 | Elevated |
| Fordsville | 3 | $1,646 | 45 | Elevated |
| Millersburg | 1 | $1,498 | 45 | Elevated |
| Hardyville | 2 | $1,545 | 45 | Elevated |
| Upton | 1 | $1,629 | 45 | Elevated |
| Salem | 1 | $1,631 | 45 | Elevated |
| Ledbetter | 1 | $1,609 | 45 | Elevated |
| Robards | 1 | $1,938 | 45 | Elevated |
| St. Matthews | 1 | $2,234 | 45 | Elevated |
| Hartford | 1 | $1,734 | 45 | Elevated |
| Caneyville | 2 | $1,705 | 45 | Elevated |
| Louisa | 1 | $1,736 | 44 | Elevated |
| Whitley City | 2 | $1,470 | 44 | Elevated |
| Eubank | 2 | $1,545 | 44 | Elevated |
| Maceo | 1 | $1,674 | 44 | Elevated |
| Annville | 2 | $1,630 | 44 | Elevated |
| Grayson | 1 | $1,487 | 44 | Elevated |
| New Haven | 1 | $1,593 | 44 | Elevated |
| Vine Grove | 1 | $1,619 | 44 | Elevated |
| Sandy Hook | 1 | $1,583 | 44 | Elevated |
| Ravenna | 1 | $1,547 | 44 | Elevated |
| Liberty | 1 | $1,620 | 44 | Elevated |
| Morgantown | 1 | $1,745 | 44 | Elevated |
| Smithfield | 1 | $1,949 | 44 | Elevated |
| Leitchfield | 2 | $1,594 | 43 | Elevated |
| Russell Springs | 2 | $1,558 | 43 | Elevated |
| Wurtland | 1 | $1,442 | 43 | Elevated |
| Smiths Grove | 1 | $1,725 | 43 | Elevated |
| Olive Hill | 1 | $1,581 | 43 | Elevated |
| Auburn | 1 | $1,666 | 43 | Elevated |
| Somerset | 2 | $1,640 | 43 | Elevated |
| Lebanon Junction | 1 | $1,641 | 43 | Elevated |
| Virgie | 1 | $1,756 | 43 | Elevated |
| Mount Olivet | 1 | $1,434 | 43 | Elevated |
| Bradfordsville | 1 | $1,515 | 43 | Elevated |
| Buffalo | 1 | $1,613 | 42 | Elevated |
| Van Lear | 1 | $1,738 | 42 | Elevated |
| Whitesburg | 1 | $1,552 | 42 | Elevated |
| Burnside | 3 | $1,618 | 42 | Elevated |
| Dixon | 1 | $2,031 | 42 | Elevated |
| Goshen | 1 | $2,426 | 42 | Elevated |
| Beaver Dam | 1 | $1,693 | 42 | Elevated |
| Covington | 2 | $1,567 | 42 | Elevated |
| Corbin | 1 | $1,633 | 42 | Elevated |
| Gamaliel | 1 | $1,596 | 42 | Elevated |
| Morehead | 2 | $1,350 | 42 | Elevated |
| Hardinsburg | 3 | $1,526 | 42 | Elevated |
| Pewee Valley | 1 | $1,998 | 41 | Elevated |
| Louisville/Jefferson County metro government (balance) | 19 | $1,799 | 41 | Elevated |
| Henderson | 1 | $1,823 | 41 | Elevated |
| Science Hill | 1 | $1,602 | 41 | Elevated |
| Masonville | 1 | $1,690 | 41 | Elevated |
| Williamstown | 1 | $1,568 | 41 | Elevated |
| Falmouth | 1 | $1,403 | 41 | Elevated |
| Carrollton | 1 | $1,628 | 40 | Moderate |
| Bloomfield | 1 | $1,656 | 40 | Moderate |
| Chaplin | 2 | $1,572 | 40 | Moderate |
| Elizaville | 1 | $1,488 | 40 | Moderate |
| Bedford | 2 | $1,837 | 40 | Moderate |
| Richmond | 2 | $1,617 | 40 | Moderate |
| London | 4 | $1,576 | 40 | Moderate |
| Russellville | 1 | $1,692 | 40 | Moderate |
| Brooks | 1 | $1,682 | 40 | Moderate |
| Catlettsburg | 2 | $1,570 | 40 | Moderate |
| Middletown | 1 | $1,693 | 40 | Moderate |
| Cave City | 1 | $1,631 | 40 | Moderate |
| Corinth | 1 | $1,682 | 40 | Moderate |
| West Van Lear | 1 | $1,557 | 40 | Moderate |
| Bowling Green | 4 | $1,806 | 40 | Moderate |
| Ludlow | 1 | $1,305 | 39 | Moderate |
| Hustonville | 1 | $1,539 | 39 | Moderate |
| Crestwood | 1 | $2,058 | 39 | Moderate |
| Park City | 1 | $1,586 | 39 | Moderate |
| Shelbyville | 2 | $1,686 | 39 | Moderate |
| Tompkinsville | 1 | $1,753 | 39 | Moderate |
| Clarkson | 1 | $1,602 | 39 | Moderate |
| Jamestown | 1 | $1,588 | 39 | Moderate |
| Petersburg | 1 | $1,767 | 39 | Moderate |
| Burgin | 1 | $1,357 | 39 | Moderate |
| Edmonton | 1 | $1,461 | 39 | Moderate |
| Lexington-Fayette urban county | 14 | $1,814 | 39 | Moderate |
| Pleasureville | 2 | $1,750 | 39 | Moderate |
| Stanton | 1 | $1,459 | 39 | Moderate |
| Lebanon | 2 | $1,539 | 39 | Moderate |
| Warsaw | 1 | $1,636 | 39 | Moderate |
| Burkesville | 1 | $1,609 | 39 | Moderate |
| Paris | 1 | $1,515 | 39 | Moderate |
| Dry Ridge | 1 | $1,588 | 39 | Moderate |
| Brodhead | 1 | $1,458 | 39 | Moderate |
| Nicholasville | 1 | $1,700 | 38 | Moderate |
| Franklin | 1 | $1,624 | 38 | Moderate |
| Irvine | 1 | $1,532 | 38 | Moderate |
| Salt Lick | 1 | $1,388 | 38 | Moderate |
| Danville | 1 | $1,668 | 38 | Moderate |
| Ekron | 2 | $1,674 | 38 | Moderate |
| Ashland | 2 | $1,512 | 38 | Moderate |
| Columbia | 1 | $1,563 | 38 | Moderate |
| Munfordville | 2 | $1,560 | 38 | Moderate |
| Owensboro | 2 | $1,526 | 37 | Moderate |
| Lyndon | 1 | $1,689 | 37 | Moderate |
| Springfield | 1 | $1,656 | 37 | Moderate |
| La Grange | 1 | $1,871 | 37 | Moderate |
| Crittenden | 2 | $1,647 | 37 | Moderate |
| Cynthiana | 1 | $1,462 | 37 | Moderate |
| Eminence | 1 | $1,586 | 37 | Moderate |
| Albany | 1 | $1,460 | 37 | Moderate |
| Flemingsburg | 1 | $1,399 | 37 | Moderate |
| Muldraugh | 1 | $1,468 | 37 | Moderate |
| Flatwoods | 1 | $1,268 | 37 | Moderate |
| Hawesville | 1 | $1,743 | 37 | Moderate |
| Brandenburg | 1 | $1,627 | 37 | Moderate |
| McKee | 1 | $1,608 | 37 | Moderate |
| Stamping Ground | 1 | $1,648 | 36 | Moderate |
| Jeffersonville | 1 | $1,488 | 36 | Moderate |
| Melbourne | 1 | $1,555 | 36 | Moderate |
| Silver Grove | 1 | $1,243 | 36 | Moderate |
| Lancaster | 1 | $1,638 | 36 | Moderate |
| Midway | 1 | $1,791 | 36 | Moderate |
| Salvisa | 1 | $1,601 | 36 | Moderate |
| Maysville | 1 | $1,269 | 36 | Moderate |
| Shepherdsville | 1 | $1,624 | 36 | Moderate |
| Sadieville | 1 | $1,755 | 36 | Moderate |
| Mount Sterling | 1 | $1,487 | 36 | Moderate |
| West Liberty | 1 | $1,612 | 36 | Moderate |
| Versailles | 1 | $1,677 | 35 | Moderate |
| Monticello | 1 | $1,552 | 35 | Moderate |
| Bardstown | 1 | $1,483 | 35 | Moderate |
| Harrodsburg | 1 | $1,563 | 35 | Moderate |
| Loretto | 1 | $1,442 | 35 | Moderate |
| Newport | 1 | $1,521 | 35 | Moderate |
| Union | 1 | $1,819 | 35 | Moderate |
| Lewisport | 1 | $1,700 | 34 | Moderate |
| Hodgenville | 1 | $1,577 | 34 | Moderate |
| Taylor Mill | 1 | $1,446 | 34 | Moderate |
| Whitesville | 1 | $1,545 | 34 | Moderate |
| Elk Creek | 1 | $1,752 | 34 | Moderate |
| Dayton | 1 | $1,346 | 34 | Moderate |
| Wilmore | 1 | $1,569 | 34 | Moderate |
| Milton | 1 | $1,755 | 34 | Moderate |
| Mentor | 1 | $1,570 | 34 | Moderate |
| Edgewood | 1 | $1,715 | 33 | Moderate |
| Georgetown | 1 | $1,511 | 33 | Moderate |
| Burlington | 1 | $1,569 | 33 | Moderate |
| Francisville | 1 | $1,666 | 32 | Moderate |
| Mount Washington | 1 | $1,571 | 32 | Moderate |
| Stanford | 1 | $1,481 | 32 | Moderate |
| Independence | 2 | $1,531 | 32 | Moderate |
| Lawrenceburg | 1 | $1,509 | 32 | Moderate |
| Fort Thomas | 1 | $1,674 | 32 | Moderate |
| Fairfield | 1 | $1,572 | 31 | Moderate |
| Winchester | 1 | $1,475 | 31 | Moderate |
| Cold Spring | 1 | $1,504 | 31 | Moderate |
| Berea | 2 | $1,486 | 31 | Moderate |
| Frankfort | 1 | $1,441 | 31 | Moderate |
| Florence | 1 | $1,457 | 31 | Moderate |
| Campbellsville | 1 | $1,387 | 31 | Moderate |
| Walton | 1 | $1,566 | 30 | Moderate |
| Erlanger | 1 | $1,329 | 29 | Moderate |
| Worthington | 1 | $1,243 | 29 | Moderate |
| Claryville | 1 | $1,476 | 29 | Moderate |
| Bellevue | 1 | $1,350 | 27 | Moderate |
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Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.