ZIP 41645 Insurance Data

Data Snapshot: ZIP 41645 (Langley, KY)

ZIP 41645 (Langley, KY) shows an average homeowners insurance premium of $1,640 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 37 reported policies. That is 8% below the national average of $1,776 per year, placing this ZIP in the 56th percentile nationally. Compared to the Kentucky state average of $1,557, this ZIP runs 5% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 41645 have risen by 2.2%, ranging from $1,605 to $1,692 with a five-year average of $1,646 — an annualized rate of +0.5% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.