Kentucky Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 466 ZIP codes in Kentucky (KY).

The verdict

According to U.S. Treasury FIO filings, Kentucky ranks #32 of 51 by average premium ($1,557/yr) ≠ #44 of 50 by nonrenewal (0.70%). Cost rank is not withdrawal rank.

$1,557
State avg premium (#32 of 51): #44
Nonrenewal of 50 (0.70%): 42236
In-state premium ZIP #1 ($2,956): 40212
In-state nonrenewal ZIP #1 (1.96%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Kentucky vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,557 Lower than most lower premium than 61% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Kentucky pay an average of $1,557 per year for home insurance - 12% below the national average of $1,776. That ranks Kentucky as the 32nd most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums fell by 1.3%; nonrenewal rates declined by 11.4% over the same period.

On five-year premium growth (2018–2022), Kentucky ranks 47th out of 51 states. Its nonrenewal rate (0.70%) ranks 44th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Kentucky Compares

vs National Average

$1,557 vs $1,776

12% below national avg

Rank Among States

32nd of 51

most expensive for homeowners insurance

Loss Ratio vs National

69.5% vs 58.0%

insurers pay out more per premium dollar here

Avg Premium

$1,557/yr

National avg: $1,776 (-12% below)

Premium Change

-1.3%

2018-2022 change

Avg Loss Ratio

69.5%

Claims paid vs premiums earned

Nonrenewal Rate

0.70%

-11.4% change

Data Snapshot: Kentucky Homeowners Insurance

Across the 466 Kentucky ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,557. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. That is 12% below the national average of $1,776 per year reported by the Federal Insurance Office. Kentucky ranks 32nd most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,101 in 40313 to $2,956 in 42236.

Between 2018 and 2022, average premiums fell by 1.3% in Kentucky, placing the state 47th nationally on five-year premium growth. The state-level loss ratio averaged 69.5%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 0.70% across the ZIP codes that report one (83% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a decline of 11.4% over the study period (ranking 44th out of 50 states).

Within Kentucky, premium dispersion across ZIP codes is substantial: the most expensive ZIP (42236 in Herndon) charges 169% more than the least expensive (40313 in Clearfield), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Kentucky

Kentucky statewide - FIO 2018-2022 average: 69% (Healthy) - standard operating range, sustainable for long-run pricing.

ZIP Codes Tracked

466

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,578	$1,549	44.8%	5.58%	0.78%
2019	$1,552 (-1.7%)	$1,533	46.4%	6.07%	0.69%
2020	$1,526 (-1.6%)	$1,502	46.0%	5.61%	0.51%
2021	$1,526 (-0.1%)	$1,495	48.3%	5.10%	0.71%
2022	$1,557 (+2.1%)	$1,526	69.5%	6.20%	0.70%

Average homeowners premium per year in Kentucky.

Most Expensive ZIP Codes in Kentucky

Most Affordable ZIP Codes in Kentucky

All ZIP Codes in Kentucky

466 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
42236	Herndon	$2,956	118.8%	6.86%	N/A
40510	Lexington	$2,897	31.5%	5.59%	N/A
40059	Prospect	$2,786	45.3%	8.14%	0.64%
40507	Lexington	$2,302	71.4%	8.41%	N/A
41224	Inez	$2,255	3.2%	2.05%	0.68%
40026	Goshen	$2,212	33.8%	5.43%	0.26%
42044	Gilbertsville	$2,189	1386.0%	27.09%	0.56%
42413	Hanson	$2,119	36.6%	7.30%	0.42%
42001	Paducah	$2,117	41.1%	5.01%	0.51%
40067	Simpsonville	$2,097	69.7%	11.52%	0.38%
40245	Louisville	$2,087	46.8%	6.50%	0.45%
40222	Louisville	$2,083	57.3%	6.16%	0.76%
40207	Louisville	$2,069	36.8%	5.80%	0.72%
40223	Louisville	$2,066	29.8%	5.72%	0.46%
40010	Buckner	$2,053	37.5%	5.70%	N/A
42027	Boaz	$2,048	34.2%	6.09%	0.23%
40502	Lexington	$2,036	31.8%	5.76%	0.48%
40023	Fisherville	$2,030	41.5%	6.76%	0.48%
42035	Cunningham	$1,995	46.7%	6.92%	N/A
42053	Kevil	$1,950	24.2%	4.93%	0.56%
42069	Melber	$1,939	23.1%	2.55%	1.91%
40204	Louisville	$1,936	16.2%	4.12%	0.92%
42087	Wickliffe	$1,930	43.3%	4.75%	0.84%
42054	Kirksey	$1,926	20.0%	3.85%	N/A
40241	Louisville	$1,922	34.1%	4.40%	0.46%
40205	Louisville	$1,916	28.1%	4.44%	0.53%
42038	Eddyville	$1,912	410.7%	9.80%	0.08%
42404	Clay	$1,904	55.2%	5.79%	0.55%
42441	Nebo	$1,903	-24.9%	4.60%	0.84%
42103	Bowling Green	$1,896	228.6%	18.03%	0.33%
40513	Lexington	$1,896	39.6%	6.15%	0.15%
42456	Slaughters	$1,887	32.2%	6.29%	0.70%
42086	West Paducah	$1,886	38.1%	5.22%	0.94%
40014	Crestwood	$1,886	33.9%	5.25%	0.42%
40208	Louisville	$1,872	86.2%	5.78%	1.62%
42056	La Center	$1,869	20.9%	5.67%	0.33%
42462	Waverly	$1,864	80.0%	7.69%	N/A
42215	Cerulean	$1,861	36.7%	8.50%	N/A
42455	Sebree	$1,861	71.0%	6.83%	0.46%
41222	Hagerhill	$1,857	35.6%	2.56%	1.54%
41822	Hindman	$1,856	349.9%	21.13%	1.41%
40022	Finchville	$1,853	60.9%	8.17%	N/A
42025	Benton	$1,848	178.3%	8.11%	0.58%
42409	Dixon	$1,843	42.3%	4.32%	0.27%
42051	Hickory	$1,841	88.4%	7.07%	N/A
41749	Hyden	$1,838	90.5%	1.30%	N/A
40516	Lexington	$1,837	58.8%	12.18%	0.80%
42031	Clinton	$1,833	39.2%	6.21%	0.86%
42076	New Concord	$1,832	15.1%	4.34%	0.87%
42436	Manitou	$1,827	48.1%	9.63%	0.31%
41603	Banner	$1,826	29.6%	3.00%	N/A
40056	Pewee Valley	$1,826	15.5%	4.09%	0.42%
42029	Calvert City	$1,821	37.8%	5.92%	0.53%
40206	Louisville	$1,816	43.5%	5.73%	0.59%
42079	Sedalia	$1,815	61.1%	7.94%	1.06%
42024	Barlow	$1,814	67.5%	10.90%	0.95%
42406	Corydon	$1,813	50.6%	6.25%	0.84%
42232	Gracey	$1,810	12.8%	6.47%	N/A
42071	Murray	$1,809	61.4%	6.44%	0.33%
42207	Bee Spring	$1,804	84.4%	3.15%	0.63%
42050	Hickman	$1,804	258.5%	20.17%	N/A
42041	Fulton	$1,801	156.0%	10.18%	0.81%
40203	Louisville	$1,795	27.5%	6.78%	1.75%
42452	Robards	$1,795	89.3%	8.97%	0.18%
41238	Oil Springs	$1,790	38.0%	4.00%	N/A
40068	Smithfield	$1,787	50.7%	5.11%	0.46%
42082	Symsonia	$1,783	41.0%	4.13%	0.78%
42122	Alvaton	$1,778	57.1%	7.86%	0.34%
42339	Dunmor	$1,772	4.4%	1.99%	1.32%
42003	Paducah	$1,768	27.6%	4.01%	0.66%
41501	Pikeville	$1,759	37.4%	3.04%	0.47%
41527	Forest Hills	$1,758	12.8%	4.46%	N/A
42055	Kuttawa	$1,754	32.8%	3.88%	0.48%
41314	Booneville	$1,749	61.1%	5.52%	0.69%
41301	Campton	$1,749	28.5%	4.19%	0.60%
42023	Bardwell	$1,747	36.6%	6.08%	N/A
40055	Pendleton	$1,746	54.3%	3.54%	0.39%
42066	Mayfield	$1,739	195.0%	12.11%	0.74%
42020	Almo	$1,738	23.7%	4.79%	0.44%
42123	Austin	$1,729	43.4%	3.85%	1.28%
42039	Fancy Farm	$1,727	21.0%	3.06%	N/A
42211	Cadiz	$1,727	42.0%	4.78%	0.23%
41311	Beattyville	$1,726	12.2%	3.55%	1.61%
41086	Sparta	$1,725	27.6%	5.80%	N/A
42431	Madisonville	$1,724	70.4%	8.21%	0.56%
41256	Staffordsville	$1,722	21.8%	5.16%	N/A
42081	Smithland	$1,720	102.3%	6.53%	1.03%
42450	Providence	$1,717	61.6%	12.25%	0.72%
40031	La Grange	$1,717	25.4%	4.67%	0.38%
42459	Sturgis	$1,715	29.1%	3.90%	N/A
42464	White Plains	$1,714	20.5%	7.62%	N/A
42325	Bremen	$1,713	1393.3%	15.89%	0.55%
42256	Lewisburg	$1,711	26.9%	5.81%	0.57%
41092	Verona	$1,710	62.6%	4.08%	0.54%
42021	Arlington	$1,708	90.4%	6.37%	1.47%
42437	Morganfield	$1,708	19.7%	4.69%	0.49%
42345	Greenville	$1,706	18.6%	3.24%	0.46%
42040	Farmington	$1,705	97.5%	4.17%	0.60%
42170	Woodburn	$1,705	30.5%	4.01%	0.36%
41216	East Point	$1,703	10.3%	3.23%	N/A
42266	Pembroke	$1,698	226.3%	13.49%	0.33%
42330	Central City	$1,693	51.9%	6.42%	0.87%
42159	Oakland	$1,693	70.3%	11.54%	1.54%
40075	Turners Station	$1,693	98.0%	7.18%	N/A
40363	Perry Park	$1,692	73.0%	2.02%	N/A
42088	Wingo	$1,692	119.8%	4.86%	0.61%
42721	Caneyville	$1,690	19.8%	5.12%	0.47%
42217	Crofton	$1,689	34.4%	5.98%	0.60%
42442	Nortonville	$1,682	19.6%	4.98%	0.68%
41240	Paintsville	$1,682	9.0%	1.88%	0.21%
41098	Worthville	$1,681	65.3%	3.97%	0.79%
42259	Mammoth Cave	$1,678	45.8%	5.13%	N/A
42045	Grand Rivers	$1,678	71.4%	2.68%	0.67%
41649	Martin	$1,677	12.6%	2.02%	2.02%
41043	Foster	$1,673	48.9%	4.76%	0.63%
41701	Hazard	$1,671	54.8%	4.91%	0.38%
42420	Henderson	$1,667	47.2%	5.35%	0.41%
40176	Webster	$1,666	44.1%	7.36%	0.61%
40070	Sulphur	$1,666	33.5%	5.71%	N/A
41465	Salyersville	$1,666	55.9%	3.01%	0.36%
40211	Louisville	$1,665	79.4%	6.87%	1.63%
42410	Earlington	$1,662	46.3%	9.74%	N/A
41653	Prestonsburg	$1,660	60.3%	3.61%	1.29%
42085	Water Valley	$1,651	61.1%	7.46%	1.49%
42372	Sacramento	$1,650	486.2%	11.33%	N/A
40104	Battletown	$1,648	8.4%	1.70%	N/A
42036	Dexter	$1,647	8.3%	4.07%	N/A
41659	Stanville	$1,646	10.6%	N/A	N/A
42451	Reed	$1,645	30.4%	10.28%	N/A
40299	Louisville	$1,644	46.3%	6.36%	0.35%
41091	Union	$1,643	44.2%	4.77%	0.40%
42408	Dawson Springs	$1,641	1169.8%	27.89%	0.58%
41645	Langley	$1,640	N/A	N/A	N/A
41339	Jackson	$1,638	140.2%	4.90%	0.77%
41774	Viper	$1,635	130.9%	4.55%	1.95%
40052	New Hope	$1,633	17.0%	8.25%	1.03%
42286	Trenton	$1,627	12.9%	5.08%	0.51%
41045	Ghent	$1,624	94.0%	2.27%	N/A
42202	Adairville	$1,623	5.7%	2.63%	1.13%
40071	Taylorsville	$1,623	57.2%	7.70%	0.34%
42782	Summersville	$1,621	339.2%	8.64%	1.23%
40006	Bedford	$1,621	32.2%	4.30%	0.46%
42458	Spottsville	$1,619	59.4%	8.57%	0.48%
40077	Westport	$1,618	6.8%	1.72%	1.15%
42049	Hazel	$1,618	37.1%	6.39%	0.46%
42440	Mortons Gap	$1,618	35.7%	6.67%	0.74%
42366	Philpot	$1,617	28.7%	5.32%	0.50%
42048	Hardin	$1,612	28.5%	4.15%	0.92%
40157	Payneville	$1,612	28.1%	5.52%	1.23%
42064	Marion	$1,607	10.5%	3.38%	0.59%
42274	Rockfield	$1,606	92.8%	8.05%	0.57%
42740	Glendale	$1,606	74.2%	6.78%	0.81%
41083	Sanders	$1,605	38.1%	5.47%	N/A
40003	Bagdad	$1,601	48.7%	8.67%	0.24%
42333	Cromwell	$1,599	379.6%	8.11%	N/A
42154	Knob Lick	$1,599	16.4%	3.39%	N/A
40119	Falls Of Rough	$1,599	29.6%	4.37%	0.23%
40347	Midway	$1,599	57.8%	7.26%	0.46%
40078	Willisburg	$1,596	95.5%	5.44%	0.60%
42275	Roundhill	$1,596	18.6%	1.12%	N/A
42261	Morgantown	$1,595	50.8%	5.36%	0.61%
40370	Sadieville	$1,595	38.1%	5.60%	0.45%
41572	Virgie	$1,595	6.5%	2.26%	0.45%
42324	Belton	$1,594	22.8%	3.38%	0.48%
40011	Campbellsburg	$1,592	77.6%	3.66%	0.86%
42349	Horse Branch	$1,592	78.4%	4.00%	N/A
41522	Elkhorn City	$1,591	53.7%	3.01%	N/A
41562	Shelbiana	$1,589	0.2%	0.69%	0.69%
42104	Bowling Green	$1,587	59.0%	8.81%	0.37%
40057	Pleasureville	$1,587	352.6%	51.44%	0.18%
42344	Graham	$1,585	28.0%	3.65%	N/A
41514	Belfry	$1,584	82.9%	1.39%	0.70%
40741	London	$1,584	70.5%	7.55%	0.52%
42210	Brownsville	$1,583	29.2%	5.38%	0.52%
42757	Magnolia	$1,582	37.0%	7.73%	0.45%
41080	Petersburg	$1,581	214.2%	20.65%	0.23%
40076	Waddy	$1,581	154.1%	11.43%	0.68%
40210	Louisville	$1,578	30.8%	5.72%	1.85%
42167	Tompkinsville	$1,576	23.3%	6.31%	0.11%
40962	Manchester	$1,575	35.1%	4.23%	0.99%
42503	Somerset	$1,573	62.9%	8.09%	0.41%
42171	Smiths Grove	$1,573	103.1%	13.25%	0.48%
42156	Lucas	$1,573	26.9%	5.04%	N/A
40291	Louisville	$1,572	105.6%	12.05%	0.64%
42262	Oak Grove	$1,572	92.2%	7.16%	0.66%
40212	Louisville	$1,571	29.6%	6.43%	1.96%
41230	Louisa	$1,571	29.1%	2.08%	0.73%
40045	Milton	$1,570	47.3%	5.03%	0.39%
41265	Van Lear	$1,570	119.2%	3.77%	0.63%
42411	Fredonia	$1,570	18.6%	3.60%	0.45%
42348	Hawesville	$1,569	57.7%	5.34%	0.28%
41017	Ft Mitchell	$1,569	46.2%	6.08%	0.38%
40243	Louisville	$1,568	20.8%	4.08%	0.58%
42240	Hopkinsville	$1,567	46.8%	6.97%	0.50%
40242	Louisville	$1,565	26.7%	4.99%	0.30%
40142	Guston	$1,564	30.4%	6.37%	0.27%
42754	Leitchfield	$1,562	34.2%	5.09%	0.31%
42347	Hartford	$1,560	56.8%	7.68%	0.66%
42528	Dunnville	$1,560	1.5%	1.20%	N/A
42649	Strunk	$1,558	11.6%	2.05%	0.82%
42327	Calhoun	$1,557	89.8%	9.76%	N/A
41557	Raccoon	$1,557	5.2%	2.01%	0.67%
42445	Princeton	$1,556	559.7%	11.50%	0.41%
42120	Adolphus	$1,555	55.3%	4.84%	0.97%
40359	Owenton	$1,555	48.5%	4.26%	0.85%
40107	Boston	$1,554	212.3%	28.45%	0.65%
41564	Sidney	$1,554	273.5%	4.49%	1.12%
42701	Elizabethtown	$1,553	43.8%	7.22%	0.74%
40515	Lexington	$1,553	92.5%	10.81%	0.26%
42732	Eastview	$1,551	31.2%	3.92%	N/A
40109	Brooks	$1,551	51.3%	7.93%	0.42%
40162	Rineyville	$1,551	47.7%	10.47%	0.98%
42712	Big Clifty	$1,551	191.9%	6.83%	1.20%
41635	Harold	$1,549	220.5%	8.90%	0.52%
41129	Catlettsburg	$1,548	53.9%	5.58%	0.51%
42337	Drakesboro	$1,546	11.1%	4.01%	0.36%
40744	London	$1,545	73.9%	6.84%	0.38%
42376	Utica	$1,544	31.7%	5.33%	0.39%
40046	Mount Eden	$1,544	22.8%	2.93%	0.53%
40356	Nicholasville	$1,543	70.5%	7.73%	0.49%
42351	Lewisport	$1,542	27.2%	6.33%	0.14%
42323	Beechmont	$1,542	14.8%	3.76%	1.61%
42206	Auburn	$1,541	47.1%	6.53%	0.54%
40464	Parksville	$1,537	20.2%	2.98%	0.60%
40422	Danville	$1,536	54.0%	6.14%	0.31%
40729	East Bernstadt	$1,535	122.9%	10.12%	0.91%
42276	Russellville	$1,535	77.7%	7.42%	0.50%
41011	Covington	$1,532	51.2%	6.24%	0.58%
42133	Fountain Run	$1,530	18.6%	3.55%	N/A
42234	Guthrie	$1,530	10.6%	3.08%	0.44%
41033	De Mossville	$1,529	86.8%	6.18%	0.28%
41010	Corinth	$1,528	48.8%	3.74%	0.23%
42355	Maceo	$1,527	141.6%	9.65%	0.27%
42164	Scottsville	$1,526	30.1%	4.21%	0.63%
42461	Uniontown	$1,524	26.0%	4.07%	N/A
40486	Tyner	$1,523	35.0%	5.19%	0.65%
42320	Beaver Dam	$1,523	27.0%	5.64%	0.51%
41531	Hardy	$1,523	430.7%	2.20%	N/A
42328	Centertown	$1,522	43.0%	4.20%	N/A
40069	Springfield	$1,521	42.9%	4.78%	0.56%
40150	Lebanon Junction	$1,520	63.5%	5.62%	0.86%
41831	Leburn	$1,519	29.8%	8.33%	1.67%
41046	Glencoe	$1,517	36.9%	6.76%	0.97%
41075	Fort Thomas	$1,517	27.3%	4.80%	0.32%
41503	South Williamson	$1,516	238.6%	5.56%	N/A
41537	Jenkins	$1,513	63.8%	11.30%	1.26%
42141	Glasgow	$1,512	44.0%	6.39%	0.56%
42127	Cave City	$1,511	133.5%	12.31%	0.51%
42519	Burnside	$1,509	65.5%	6.18%	0.76%
42544	Nancy	$1,508	34.6%	4.73%	0.69%
40146	Irvington	$1,506	86.8%	5.91%	0.39%
42134	Franklin	$1,505	34.4%	4.72%	0.36%
41095	Warsaw	$1,504	8.6%	3.16%	0.49%
40008	Bloomfield	$1,503	48.3%	4.24%	0.37%
40165	Shepherdsville	$1,503	57.6%	7.81%	0.56%
42539	Liberty	$1,501	86.7%	6.68%	0.91%
41008	Carrollton	$1,500	26.2%	4.54%	0.57%
41048	Hebron	$1,499	36.8%	4.52%	0.37%
40383	Versailles	$1,499	49.2%	5.39%	0.31%
42724	Cecilia	$1,495	41.6%	5.96%	0.82%
42716	Buffalo	$1,494	73.8%	7.64%	0.33%
40468	Perryville	$1,494	31.3%	5.57%	0.51%
40509	Lexington	$1,494	150.9%	16.00%	0.35%
40508	Lexington	$1,492	30.4%	4.67%	0.61%
42713	Bonnieville	$1,492	68.8%	3.98%	N/A
40050	New Castle	$1,490	17.9%	3.20%	N/A
42058	Ledbetter	$1,490	23.1%	4.77%	0.60%
40447	Mc Kee	$1,489	35.9%	4.65%	0.36%
40379	Stamping Ground	$1,489	58.4%	6.19%	0.26%
42078	Salem	$1,489	58.8%	2.94%	0.42%
40444	Lancaster	$1,486	48.1%	5.77%	0.32%
41219	Flatgap	$1,484	1.1%	1.34%	0.67%
42726	Clarkson	$1,484	30.2%	3.15%	0.42%
42352	Livermore	$1,481	39.7%	9.37%	N/A
42321	Beech Creek	$1,481	13.4%	3.75%	N/A
40177	West Point	$1,479	62.3%	9.36%	1.28%
42553	Science Hill	$1,478	35.3%	4.99%	0.33%
40385	Waco	$1,478	25.0%	3.56%	0.84%
42518	Bronston	$1,477	35.7%	4.57%	0.31%
40175	Vine Grove	$1,475	31.2%	6.16%	1.02%
42733	Elk Horn	$1,473	12.9%	4.17%	N/A
41003	Berry	$1,473	389.6%	29.90%	1.03%
42784	Upton	$1,472	62.4%	10.47%	0.52%
41472	West Liberty	$1,471	35.9%	2.91%	0.13%
40108	Brandenburg	$1,471	41.1%	5.61%	0.49%
42629	Jamestown	$1,471	45.6%	3.54%	0.52%
41063	Morning View	$1,469	31.2%	4.16%	0.28%
42160	Park City	$1,469	63.6%	11.15%	0.38%
40402	Annville	$1,467	34.6%	6.55%	N/A
42368	Reynolds Station	$1,465	17.0%	4.89%	N/A
40228	Louisville	$1,465	59.4%	9.30%	0.55%
41553	Phelps	$1,464	22.8%	2.50%	0.63%
42776	Sonora	$1,461	35.5%	6.15%	1.32%
42748	Hodgenville	$1,459	26.8%	5.84%	0.29%
40117	Ekron	$1,459	59.6%	9.11%	0.18%
41030	Crittenden	$1,459	25.4%	3.62%	0.62%
40051	New Haven	$1,458	38.7%	6.14%	1.02%
41519	Canada	$1,457	N/A	N/A	2.11%
41255	Sitka	$1,456	11.1%	2.63%	3.95%
40140	Garfield	$1,456	5.0%	4.44%	N/A
40312	Clay City	$1,455	116.4%	6.71%	1.24%
42350	Island	$1,454	72.6%	10.88%	0.42%
42729	Cub Run	$1,454	11.1%	2.60%	0.43%
40461	Paint Lick	$1,452	34.6%	4.64%	0.22%
40065	Shelbyville	$1,451	75.6%	11.45%	0.50%
40701	Corbin	$1,451	53.5%	5.88%	0.52%
42717	Burkesville	$1,449	22.3%	3.91%	0.46%
40328	Gravel Switch	$1,449	32.8%	3.94%	N/A
42140	Gamaliel	$1,448	133.7%	14.85%	N/A
40047	Mount Washington	$1,446	40.7%	5.35%	0.44%
42749	Horse Cave	$1,446	108.9%	11.51%	0.79%
40019	Eminence	$1,446	169.0%	24.40%	0.25%
40013	Coxs Creek	$1,445	50.3%	5.65%	0.25%
40372	Salvisa	$1,444	25.1%	4.78%	0.74%
40115	Custer	$1,444	0.0%	1.28%	1.28%
42303	Owensboro	$1,443	34.3%	4.27%	0.51%
41268	West Van Lear	$1,443	N/A	N/A	N/A
40475	Richmond	$1,442	66.6%	6.77%	0.44%
41121	Argillite	$1,442	24.8%	1.90%	1.27%
42746	Hardyville	$1,442	231.9%	13.37%	0.50%
41007	California	$1,441	27.3%	4.22%	0.46%
41171	Sandy Hook	$1,438	13.3%	2.10%	0.70%
42765	Munfordville	$1,436	65.3%	6.75%	0.26%
42166	Summer Shade	$1,435	33.6%	7.63%	0.85%
41035	Dry Ridge	$1,433	29.3%	4.11%	0.72%
42728	Columbia	$1,432	53.0%	7.20%	0.29%
41101	Ashland	$1,432	49.6%	4.41%	0.90%
40214	Louisville	$1,431	31.5%	4.95%	0.87%
42501	Somerset	$1,429	51.1%	6.34%	0.89%
42567	Eubank	$1,429	37.5%	4.46%	0.99%
41094	Walton	$1,428	41.2%	4.20%	0.33%
42343	Fordsville	$1,428	105.0%	3.63%	1.04%
42743	Greensburg	$1,427	36.5%	6.70%	1.01%
41097	Williamstown	$1,426	34.1%	4.69%	0.63%
40160	Radcliff	$1,425	38.6%	8.30%	0.84%
40734	Gray	$1,424	48.7%	4.66%	0.75%
40311	Carlisle	$1,422	24.4%	4.18%	1.23%
41164	Olive Hill	$1,419	52.9%	2.57%	0.64%
42378	Whitesville	$1,416	11.4%	3.04%	0.30%
40178	Westview	$1,415	21.3%	2.93%	0.49%
41006	Butler	$1,415	46.1%	4.65%	0.43%
42367	Powderly	$1,414	33.2%	4.46%	N/A
42633	Monticello	$1,414	37.2%	3.47%	0.32%
40360	Owingsville	$1,412	48.7%	7.24%	1.13%
40220	Louisville	$1,410	36.9%	5.21%	0.70%
40330	Harrodsburg	$1,410	73.1%	7.13%	0.58%
41858	Whitesburg	$1,410	78.6%	21.76%	0.44%
41002	Augusta	$1,410	19.2%	3.72%	0.80%
41554	Phyllis	$1,408	331.1%	2.67%	N/A
41005	Burlington	$1,406	50.7%	7.98%	0.50%
40769	Williamsburg	$1,406	75.1%	4.08%	0.89%
40390	Wilmore	$1,405	476.2%	46.78%	0.37%
42635	Pine Knot	$1,404	52.4%	3.91%	N/A
40456	Mount Vernon	$1,401	80.2%	5.15%	0.94%
40152	Mc Daniels	$1,398	13.5%	2.60%	0.69%
40472	Ravenna	$1,395	5.3%	1.18%	0.59%
40387	Wellington	$1,395	63.9%	4.36%	1.25%
41059	Melbourne	$1,394	26.4%	4.95%	0.27%
41169	Russell	$1,394	32.1%	4.13%	1.03%
40111	Cloverport	$1,393	272.5%	6.67%	1.11%
40336	Irvine	$1,390	42.3%	4.62%	0.40%
41776	Wooton	$1,386	1.9%	1.43%	2.86%
41539	Kimper	$1,384	9.4%	1.91%	0.64%
40437	Hustonville	$1,384	70.2%	10.32%	0.38%
40759	Rockholds	$1,383	35.1%	3.75%	1.25%
42220	Elkton	$1,381	61.1%	6.73%	0.66%
40144	Harned	$1,380	29.1%	8.14%	0.45%
40489	Waynesburg	$1,378	52.1%	7.60%	0.29%
40145	Hudson	$1,378	5.3%	2.59%	N/A
41071	Newport	$1,378	33.7%	3.83%	0.48%
40923	Cannon	$1,376	112.5%	7.96%	3.54%
40322	Frenchburg	$1,375	20.0%	2.49%	0.41%
41602	Auxier	$1,375	15.6%	4.69%	N/A
40004	Bardstown	$1,372	37.1%	5.33%	0.48%
40143	Hardinsburg	$1,372	27.7%	5.43%	0.54%
40935	Flat Lick	$1,370	95.8%	4.37%	0.49%
40740	Lily	$1,368	15.0%	2.96%	0.23%
40009	Bradfordsville	$1,367	454.6%	8.41%	N/A
40342	Lawrenceburg	$1,367	45.7%	5.38%	0.38%
40419	Crab Orchard	$1,366	28.7%	5.15%	1.23%
42101	Bowling Green	$1,366	133.2%	9.55%	0.60%
42301	Owensboro	$1,365	33.9%	5.09%	0.44%
41004	Brooksville	$1,365	21.8%	4.62%	1.54%
42722	Canmer	$1,363	66.7%	8.89%	N/A
40272	Louisville	$1,363	48.5%	7.78%	1.00%
40033	Lebanon	$1,360	66.6%	11.29%	0.14%
40155	Muldraugh	$1,360	35.3%	4.92%	N/A
40217	Louisville	$1,359	16.1%	2.58%	1.15%
41076	Newport	$1,356	47.7%	5.23%	0.20%
41168	Rush	$1,356	28.6%	4.60%	0.77%
40218	Louisville	$1,354	31.1%	5.70%	1.06%
40361	Paris	$1,353	149.4%	7.33%	0.62%
42653	Whitley City	$1,353	23.4%	2.98%	0.56%
42602	Albany	$1,352	40.4%	5.21%	0.40%
41143	Grayson	$1,352	32.0%	5.73%	0.98%
40351	Morehead	$1,352	53.8%	5.02%	0.53%
40409	Brodhead	$1,350	30.3%	4.05%	0.68%
42647	Stearns	$1,349	11.0%	2.52%	0.58%
40213	Louisville	$1,345	35.2%	4.55%	0.86%
40324	Georgetown	$1,344	45.5%	4.63%	0.41%
41102	Ashland	$1,343	63.1%	4.65%	0.54%
40060	Raywick	$1,343	23.2%	4.19%	N/A
40484	Stanford	$1,340	58.9%	8.47%	0.27%
40906	Barbourville	$1,339	69.2%	4.33%	0.88%
40337	Jeffersonville	$1,339	34.9%	5.86%	0.38%
40348	Millersburg	$1,337	5.2%	1.33%	1.33%
40440	Junction City	$1,335	15.9%	2.83%	N/A
40977	Pineville	$1,335	52.0%	3.72%	1.17%
40391	Winchester	$1,334	55.1%	5.83%	0.39%
41001	Alexandria	$1,331	45.7%	5.11%	0.25%
40514	Lexington	$1,331	39.5%	5.59%	0.30%
40445	Livingston	$1,329	351.6%	3.13%	1.56%
40216	Louisville	$1,329	37.0%	5.14%	0.95%
40215	Louisville	$1,328	36.9%	4.92%	1.56%
42129	Edmonton	$1,328	57.0%	4.77%	0.64%
40380	Stanton	$1,325	26.0%	3.80%	0.54%
40353	Mount Sterling	$1,324	74.3%	6.56%	0.51%
41042	Florence	$1,322	50.0%	7.16%	0.38%
40012	Chaplin	$1,321	23.6%	4.59%	0.92%
41039	Ewing	$1,321	65.2%	7.06%	0.37%
40118	Fairdale	$1,320	59.0%	6.57%	0.80%
41144	Greenup	$1,318	40.9%	3.51%	1.10%
41015	Latonia	$1,317	97.0%	5.42%	0.65%
40258	Louisville	$1,314	37.2%	4.88%	0.81%
42642	Russell Springs	$1,314	22.2%	3.54%	0.45%
40037	Loretto	$1,313	33.4%	5.78%	0.19%
41064	Mount Olivet	$1,311	34.1%	5.36%	N/A
40831	Harlan	$1,310	120.6%	8.24%	N/A
40511	Lexington	$1,309	38.8%	5.85%	0.64%
42634	Parkers Lake	$1,308	38.3%	5.41%	N/A
41174	South Portsmouth	$1,308	39.9%	3.89%	1.67%
41014	Covington	$1,307	100.1%	4.01%	1.16%
41141	Garrison	$1,304	9.9%	1.70%	N/A
41031	Cynthiana	$1,300	69.5%	5.86%	0.60%
41051	Independence	$1,294	39.5%	5.39%	0.22%
40601	Frankfort	$1,292	86.8%	8.88%	0.41%
40229	Louisville	$1,292	76.4%	10.87%	0.69%
40219	Louisville	$1,289	42.4%	6.89%	1.12%
40371	Salt Lick	$1,286	105.1%	6.30%	0.42%
40503	Lexington	$1,284	37.3%	5.40%	0.36%
42533	Ferguson	$1,284	5.8%	2.42%	1.61%
41040	Falmouth	$1,282	32.8%	5.52%	0.86%
40374	Sharpsburg	$1,280	104.7%	8.77%	1.75%
40737	Keavy	$1,273	45.1%	4.50%	1.00%
41175	South Shore	$1,273	49.2%	1.81%	0.68%
42718	Campbellsville	$1,270	127.2%	12.64%	0.35%
41179	Vanceburg	$1,262	12.7%	2.87%	0.90%
40310	Burgin	$1,257	51.9%	4.49%	N/A
41041	Flemingsburg	$1,254	39.6%	6.85%	0.49%
40403	Berea	$1,244	44.3%	4.94%	0.48%
41073	Bellevue	$1,241	38.1%	5.94%	0.28%
40949	Heidrick	$1,240	22.8%	3.06%	N/A
41074	Dayton	$1,224	53.4%	4.72%	0.63%
40504	Lexington	$1,223	38.1%	5.57%	0.47%
40965	Middlesboro	$1,222	45.8%	4.65%	1.55%
41044	Germantown	$1,215	16.5%	2.27%	2.27%
41018	Erlanger	$1,209	38.2%	5.78%	0.46%
41016	Covington	$1,201	62.8%	4.54%	1.14%
41139	Flatwoods	$1,166	21.3%	3.28%	0.80%
40505	Lexington	$1,162	47.3%	6.22%	0.83%
41189	Tollesboro	$1,155	25.3%	4.87%	1.30%
41183	Worthington	$1,142	7.7%	1.77%	0.35%
40517	Lexington	$1,140	29.6%	4.80%	0.38%
41056	Maysville	$1,138	40.1%	5.06%	0.71%
41085	Silver Grove	$1,124	72.5%	8.70%	N/A
40313	Clearfield	$1,101	14.1%	3.92%	N/A

Kentucky Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Kentucky compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Kentucky

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Kentucky ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

56.5

39th of 50 states by mean score · national mean 69.3

Counties joined

120

Distinct county FIPS on Kentucky FIO ZIPs

Most common top hazard

Tornado

65 of 120 counties

Highest FEMA NRI counties in Kentucky
County	Risk score	Rating	Top hazard
Jefferson	98.3	Relatively High	Tornado
Floyd	94.2	Relatively Moderate	Strong Wind
Fayette	92.0	Relatively Moderate	Tornado

Counties with elevated FEMA hazard ratings in Kentucky
Hazard	Elevated counties	Share of joined
Winter weather	7	6%
Tornado	6	5%
Flooding	3	3%
Hail	1	1%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Kentucky: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,557/yr here).

New Mexico $1,577/yr Maryland $1,627/yr Iowa $1,629/yr Illinois $1,631/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (0.70% here).

Maine 0.72% Minnesota 0.65% Wisconsin 0.75% Florida 0.62%

Frequently Asked Questions

What is the average homeowners insurance cost in Kentucky? ▼

Averaged across the 466 Kentucky ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,557. This is 12% below the national average of $1,776.

How have insurance premiums changed in Kentucky? ▼

Kentucky homeowners insurance premiums changed by -1.3% between 2018 and 2022. The average loss ratio is 69.5%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Kentucky? ▼

The most expensive ZIP code for homeowners insurance in Kentucky is 42236, with an average premium of $2,956/yr. The most affordable is 40313 at $1,101/yr.

What is the nonrenewal rate for Kentucky homeowners insurance? ▼

Averaged across the Kentucky ZIP codes that report one (83% of the state's ZIP codes), the nonrenewal rate is 0.70%. This rate has changed by -11.4% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 40212 has the highest nonrenewal rate in the state at 1.96%.

What is a loss ratio and what does Kentucky's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Kentucky's average loss ratio is 69.5%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Kentucky? ▼

The average claim frequency in Kentucky is 6.20%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $16,849. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Kentucky? ▼

Across 120 FEMA National Risk Index counties that join to Kentucky ZIP codes in the FIO file, the mean county risk score is 56.5 (18% below the 50-state mean of 69.3). The most common county-level top hazard is Tornado (65 of 120 counties). Elevated (Relatively High or Very High) county ratings concentrate in Winter weather (7), Tornado (6), Flooding (3). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Kentucky in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Kentucky ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Kentucky Homeowners Insurance

How Kentucky Compares

Data Snapshot: Kentucky Homeowners Insurance

Loss Ratio Reading: Kentucky

Premium Trends (2018-2022)

Average premium in Kentucky, 2018–2022

Most Expensive ZIP Codes in Kentucky

Most Affordable ZIP Codes in Kentucky

All ZIP Codes in Kentucky

Kentucky Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related