Homeowners Insurance in Elizabethtown, KY

For a home at Elizabethtown's median value of $245,900, we estimate about $1,695 a year — +11% versus the Kentucky NAIC average of $1,525.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Elizabethtown

Est. premium

$1,695

$141/mo · median home

Median home value

$245,900

Kentucky: $205,600

Median year built

1990

Census ACS

Owner-occupied

49.3%

of households

Hazard score

74.2

state ref. 80.5

Elizabethtown's estimate reflects its home values (20% higher than the state median) and FEMA's hazard profile for Hardin County.

Natural hazard risk in Elizabethtown

FEMA National Risk Index — Hardin County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	90.6	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	84.2	Comprehensive; dwelling
Hurricane	Very Low	40.3	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	73.7	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	95.4	Comprehensive; dwelling
Winter weather	Relatively Moderate	80.4	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	32.8	Comprehensive; dwelling
Earthquake	Relatively Low	84.6	Home needs a separate earthquake policy
Lightning	Relatively High	86.3	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Elizabethtown

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,435	$1,320
$300,000	$1,985	$1,825
$500,000	$2,990	$2,750
$750,000	$4,135	$3,800

Home Insurance Estimator

Estimated annual premium

—

Per month

—

Homeowners insurance in Kentucky · Car insurance in Elizabethtown · Insurance offices near Elizabethtown

Frequently asked questions

How much is homeowners insurance in Elizabethtown?

For a home at Elizabethtown's median value of $245,900, we estimate about $1,695 a year for a standard HO-3 policy with a $1,000 deductible. The Kentucky NAIC average is $1,525.

What are the biggest natural hazards in Elizabethtown?

FEMA's National Risk Index rates Hardin County relatively high or very high for strong wind and lightning.

Does the age of homes in Elizabethtown affect insurance?

Yes. The median home in Elizabethtown was built in 1990 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Kentucky, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Hardin County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page