Homeowners Insurance in Owensboro, KY

For a home at Owensboro's median value of $178,900, we estimate about $1,320 a year — −13% 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 Owensboro

Est. premium

$1,320

$110/mo · median home

Median home value

$178,900

Kentucky: $205,600

Median year built

1972

Census ACS

Owner-occupied

57.4%

of households

Hazard score

75.0

state ref. 80.5

Owensboro's estimate reflects its home values (13% lower than the state median) and FEMA's hazard profile for Daviess County.

Natural hazard risk in Owensboro

FEMA National Risk Index — Daviess County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	91.2	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	88.9	Comprehensive; dwelling
Hurricane	Very Low	35.0	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	88.8	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	94.8	Comprehensive; dwelling
Winter weather	Relatively High	93.4	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	17.9	Comprehensive; dwelling
Earthquake	Relatively Moderate	95.9	Home needs a separate earthquake policy
Lightning	Relatively Moderate	69.5	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 Owensboro

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,445	$1,325
$300,000	$1,995	$1,835
$500,000	$3,005	$2,760
$750,000	$4,155	$3,820

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Owensboro

ZIP	Median home value	Owner-occupied	Est. premium
42301	$198,200	63.0%	$1,430
42303	$198,200	65.8%	$1,430

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

Frequently asked questions

How much is homeowners insurance in Owensboro?

For a home at Owensboro's median value of $178,900, we estimate about $1,320 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 Owensboro?

FEMA's National Risk Index rates Daviess County relatively high or very high for strong wind and winter weather.

Does the age of homes in Owensboro affect insurance?

Yes. The median home in Owensboro was built in 1972 (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 Daviess County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page