Homeowners insurance in Kentucky: premium by ZIP code
Kentucky's median ZIP code paid $1,526 per policy in 2022, slightly less than in 2018 after inflation, with few nonrenewals.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Kentucky (median ZIP code)
$1,526
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $2,033.
| Change from 2018 to 2022, after inflation | -1.5% |
| Premium per policy in 2018 | $1,549 |
| Premium per policy in 2022 | $1,526 |
| 2022 premium carried to September 2026 (BLS index) | $2,033 |
| Policies not renewed by the insurer, 2022 | 0.49% |
| Claims paid per 100 policies, yearly average | 5.4 |
| Average claim paid, 2018 to 2022 (adjusted) | $12,346 |
| Cancelled for nonpayment, 2022 | 1.58% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 466 ZIP codes in 120 counties of Kentucky in the Treasury file · not a quote
Kentucky is one of the few states where the median homeowners premium per policy fell after inflation in the Treasury file: from $1,549 in 2018 to $1,526 in 2022, -0.8%, close to the national $1,551. Jefferson County, Louisville, fell further, -7.1%, to $1,571. Fayette County, Lexington, was at $1,493, and Pike County in the eastern coalfields at $1,557. Insurers rarely declined to renew: 0.49% of policies in 2022, ranked 44 of 51. Claims were frequent but small, 5.4 per 100 policies a year at an average of $12,346, ranked 47 for size. The paid loss ratio jumped to 41% in 2022, after the December 2021 tornado outbreak in western Kentucky and the July 2022 floods in the east, though flood itself is outside homeowners policies. The Kentucky FAIR Plan writes homes declined elsewhere. The data stop in 2022.
Louisville and Lexington
Jefferson County had 31 ZIP codes in the file, with a median of $1,571 in 2022. Its fall of -7.1% after inflation from 2018 means premiums rose more slowly than prices in general. Fayette County rose a little, +1.2%. The dearest ZIP codes in the state were 42236 in Christian County, at $2,956, and 40510 in Fayette County, Lexington's horse-farm and estate edge, at $2,897. The cheapest were 40313 in Rowan County, $1,101, and 41085 in Campbell County, across the river from Cincinnati, $1,124.
Western tornadoes, eastern floods
Paid claims per 100 policies ranged from 4.2 to 5.7 over the five years. The tornadoes of December 10 and 11, 2021, destroyed much of Mayfield and Dawson Springs; wind claims of that kind are covered by homeowners policies, and the paid loss ratio of 2022, 41%, reflects claims still being paid. The floods of July 2022 in eastern Kentucky were not covered by homeowners policies at all: flood needs a separate policy, which few owners in the hollows carried. Breckinridge County, with 11 ZIP codes, paid $1,415, below the state median.
A small wind claim in Kentucky
Example, not your result yet· change a figure to see yours
Filing leaves you ahead by
$1,540
| Claim payment after deductible | $2,500 |
| Extra premium over the period | $960 |
| National median claim paid, 2018 to 2022 | $15,105 |
Few nonrenewals, more nonpayment
Kentucky's median nonrenewal rate stayed low throughout, between 0.34% and 0.58%. Cancellations for nonpayment were more common, 1.58% over the period, above the national 1.47%. A cancellation for nonpayment leaves a gap in coverage that the next insurer will ask about; paying through escrow, or setting up automatic payment, avoids it. The monthly cost page explains escrow.
The FAIR Plan
The Kentucky FAIR Plan writes dwelling forms and HO-4, HO-6 and HO-8 forms for properties that cannot find a private insurer. The Kentucky Department of Insurance reviews rates and handles complaints. With claims averaging $12,346, a small repair close to the deductible is often better paid directly; the claim calculator weighs it against a surcharge.
Kentucky, year by year
| Year | Kentucky median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,549 | $1,445 | 0.58% | 4.7 | 29% |
| 2019 | $1,533 | $1,469 | 0.48% | 5.7 | 34% |
| 2020 | $1,502 | $1,491 | 0.34% | 4.9 | 34% |
| 2021 | $1,495 | $1,521 | 0.53% | 4.2 | 31% |
| 2022 | $1,526 | $1,551 | 0.49% | 5.2 | 41% |
The Kentucky counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Jefferson County | 31 | $1,687 | $1,571 | -7.1% | 0.80% | $10,449 |
| Pike County | 15 | $1,561 | $1,557 | -0.5% | 0.47% | $40,164 |
| Fayette County | 14 | $1,507 | $1,493 | +1.2% | 0.37% | $10,295 |
| Breckinridge County | 11 | $1,533 | $1,415 | -2.8% | 0.49% | $11,227 |
| Graves County | 10 | $1,672 | $1,761 | +6.4% | 0.68% | $11,997 |
| Muhlenberg County | 10 | $1,538 | $1,590 | +7.5% | 0.47% | $13,892 |
| Campbell County | 9 | $1,340 | $1,356 | +0.1% | 0.28% | $11,942 |
| Hopkins County | 9 | $1,629 | $1,714 | +5.2% | 0.56% | $14,386 |
Highest and lowest premiums per policy, Kentucky ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 42236 | Christian County | $2,956 | -1.0% | 0.00% |
| 40510 | Fayette County | $2,897 | +4.2% | 0.00% |
| 40059 | Oldham County | $2,786 | -5.7% | 0.64% |
| 40507 | Fayette County | $2,302 | -10.0% | 0.00% |
| 41224 | Martin County | $2,255 | -7.2% | 0.68% |
| 40313 | Rowan County | $1,101 | -2.0% | 0.00% |
| 41085 | Campbell County | $1,124 | +0.4% | 0.00% |
| 41056 | Mason County | $1,138 | +2.6% | 0.71% |
| 40517 | Fayette County | $1,140 | +0.5% | 0.38% |
| 41183 | Greenup County | $1,142 | -3.2% | 0.35% |