Which county in Kentucky has the lowest homeowners insurance?

Mason has the lowest homeowners insurance in Kentucky, at $1,530.

What is the homeowners insurance in Mason?

Mason is ranked #1 in Kentucky for homeowners insurance, at $1,530.

How is this homeowners insurance ranking calculated?

Counties in Kentucky are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in Kentucky (2026)

Full county table and CSV download: Home insurance by county in Kentucky

Cheapest counties for homeowners insurance in Kentucky

Top 25 of 120 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Kentucky

Rank	County	Value
01	Mason$1,530 County page
02	Lincoln$1,663 County page
03	Harlan$1,761 County page
04	Nicholas$1,777 County page
05	Rockcastle$1,778 County page
06	Bell$1,778 County page
07	Harrison$1,801 County page
08	Russell$1,854 County page
09	Carter$1,869 County page
10	Garrard$1,880 County page
11	Marion$1,886 County page
12	Clark$1,889 County page
13	Madison$1,904 County page
14	Wayne$1,919 County page
15	Woodford$1,940 County page
16	Fleming$1,949 County page
17	Boone$1,954 County page
18	Franklin$1,954 County page
19	Lewis$1,995 County page
20	Simpson$2,011 County page
21	Anderson$2,017 County page
22	Washington$2,020 County page
23	Jefferson$2,029 County page
24	Bracken$2,035 County page
25	Casey$2,052 County page

How this ranking works

This page ranks Kentucky counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

Frequently asked questions

Which county in Kentucky has the lowest homeowners insurance?: Mason has the lowest homeowners insurance in Kentucky, at $1,530.
What is the homeowners insurance in Mason?: Mason is ranked #1 in Kentucky for homeowners insurance, at $1,530.
How is this homeowners insurance ranking calculated?: Counties in Kentucky are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.