Kentucky homeowners nonrenewal rates by county
Share of homeowners policies the insurer chose not to renew, by county and year, sorted by the most recent rate. The data comes from insurers representing roughly 65 percent of the market, aggregated by the U.S. Senate Budget Committee, and was released once, in December 2024; it will not update.
| County | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| BOURBON | 0.40% | 0.38% | 0.14% | 0.83% | 0.92% | 3.26% |
| NICHOLAS | 1.29% | 1.04% | 0.80% | 0.77% | 1.13% | 2.89% |
| LEE | 1.18% | 1.53% | 1.09% | 1.41% | 2.00% | 2.04% |
| HICKMAN | 0.41% | 0.13% | 0.14% | 1.09% | 0.97% | 1.98% |
| HARRISON | 0.57% | 0.75% | 0.19% | 0.84% | 0.99% | 1.87% |
| LARUE | 0.72% | 0.40% | 0.25% | 0.70% | 0.46% | 1.82% |
| HARLAN | 0.32% | 1.67% | 0.29% | 1.52% | 0.93% | 1.80% |
| LETCHER | 0.94% | 1.83% | 2.61% | 1.12% | 0.81% | 1.69% |
| MARTIN | 0.91% | 0.61% | 0.91% | 0.29% | 1.69% | 1.68% |
| GREEN | 0.20% | 0.75% | 1.40% | 1.01% | 1.42% | 1.62% |
| LIVINGSTON | 0.85% | 1.18% | 0.36% | 0.90% | 0.78% | 1.50% |
| CALDWELL | 1.37% | 0.85% | 0.21% | 0.81% | 0.70% | 1.47% |
| CARLISLE | 0.49% | 0.74% | 0.49% | 1.32% | 0.40% | 1.47% |
| KNOTT | 0.36% | 0.53% | 0.17% | 0.66% | 1.60% | 1.44% |
| PIKE | 0.68% | 1.00% | 0.49% | 0.76% | 0.51% | 1.44% |
| WASHINGTON | 0.86% | 0.98% | 0.30% | 0.83% | 0.78% | 1.44% |
| FLOYD | 0.74% | 0.74% | 0.45% | 1.07% | 1.32% | 1.35% |
| TRIMBLE | 0.51% | 0.35% | 0.34% | 0.45% | 0.76% | 1.35% |
| LINCOLN | 0.60% | 0.79% | 0.48% | 1.31% | 0.77% | 1.31% |
| MUHLENBERG | 0.61% | 0.85% | 0.38% | 1.17% | 0.60% | 1.23% |
| GRAYSON | 0.53% | 0.76% | 0.42% | 0.46% | 0.60% | 1.22% |
| MERCER | 0.78% | 0.33% | 0.39% | 0.56% | 0.69% | 1.21% |
| HENRY | 0.82% | 0.72% | 0.48% | 0.78% | 0.44% | 1.19% |
| CARTER | 0.58% | 0.72% | 0.40% | 0.68% | 0.92% | 1.18% |
| MCLEAN | 1.00% | 0.67% | 1.73% | 0.82% | 0.39% | 1.18% |
| GRAVES | 1.04% | 0.72% | 0.48% | 1.12% | 0.94% | 1.14% |
| LEWIS | 0.97% | 1.12% | 0.00% | 1.22% | 1.32% | 1.13% |
| ADAIR | 0.44% | 0.41% | 0.00% | 0.43% | 0.54% | 1.12% |
| TODD | 0.19% | 0.90% | 0.35% | 0.66% | 0.63% | 1.12% |
| MARION | 0.89% | 0.77% | 0.25% | 0.65% | 0.24% | 1.11% |
| CRITTENDEN | 0.85% | 0.51% | 0.84% | 1.40% | 0.75% | 1.10% |
| WEBSTER | 0.62% | 1.13% | 0.25% | 0.72% | 0.54% | 1.10% |
| BALLARD | 1.04% | 0.26% | 0.00% | 0.23% | 0.61% | 1.08% |
| LESLIE | 0.54% | 1.52% | 0.50% | 0.94% | 1.09% | 1.08% |
| ALLEN | 0.66% | 0.74% | 0.49% | 0.57% | 0.84% | 1.07% |
| GALLATIN | 0.44% | 0.43% | 0.42% | 0.79% | 0.78% | 1.06% |
| SIMPSON | 0.43% | 0.30% | 0.45% | 0.75% | 0.32% | 1.06% |
| BOYD | 0.61% | 0.59% | 0.29% | 0.79% | 0.93% | 1.04% |
| MAGOFFIN | 0.19% | 1.48% | 0.52% | 1.13% | 0.45% | 1.03% |
| MENIFEE | 0.88% | 0.82% | 0.50% | 0.89% | 0.61% | 1.02% |
| HOPKINS | 0.67% | 0.77% | 0.42% | 0.75% | 0.80% | 1.00% |
| MCCREARY | 0.44% | 0.85% | 0.49% | 1.29% | 0.65% | 1.00% |
| POWELL | 0.83% | 1.48% | 0.57% | 1.46% | 1.24% | 0.99% |
| WOLFE | 1.92% | 0.94% | 0.83% | 0.68% | 1.08% | 0.99% |
| LOGAN | 0.63% | 0.72% | 0.43% | 0.85% | 0.69% | 0.98% |
| BELL | 0.42% | 0.35% | 0.33% | 1.13% | 1.28% | 0.97% |
| JOHNSON | 0.55% | 0.66% | 0.34% | 1.10% | 0.88% | 0.97% |
| GREENUP | 0.58% | 0.76% | 0.49% | 0.94% | 0.93% | 0.96% |
| OHIO | 0.89% | 0.62% | 0.40% | 0.90% | 0.69% | 0.96% |
| ROBERTSON | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.96% |
| JACKSON | 0.98% | 0.64% | 0.58% | 1.25% | 0.47% | 0.95% |
| MEADE | 0.86% | 0.61% | 0.45% | 0.72% | 0.48% | 0.94% |
| HART | 0.53% | 0.63% | 0.37% | 0.82% | 0.28% | 0.91% |
| PENDLETON | 0.84% | 0.33% | 0.16% | 1.30% | 1.09% | 0.91% |
| EDMONSON | 0.80% | 0.70% | 0.54% | 0.75% | 0.58% | 0.90% |
| KNOX | 0.45% | 0.34% | 0.37% | 0.96% | 1.01% | 0.88% |
| MORGAN | 0.45% | 0.14% | 0.53% | 0.63% | 0.49% | 0.86% |
| CLAY | 0.60% | 0.69% | 0.77% | 0.60% | 1.22% | 0.85% |
| HANCOCK | 0.27% | 0.38% | 0.23% | 0.21% | 0.21% | 0.84% |
| SHELBY | 0.50% | 0.56% | 0.45% | 0.27% | 0.54% | 0.83% |
| BOYLE | 1.00% | 0.75% | 0.37% | 0.69% | 0.67% | 0.80% |
| CALLOWAY | 0.73% | 0.47% | 0.21% | 0.57% | 0.39% | 0.80% |
| MARSHALL | 0.82% | 0.37% | 0.67% | 0.45% | 0.56% | 0.80% |
| MASON | 0.94% | 0.65% | 0.26% | 0.85% | 1.52% | 0.80% |
| FRANKLIN | 0.64% | 0.47% | 0.36% | 0.52% | 0.53% | 0.78% |
| MCCRACKEN | 0.69% | 0.58% | 0.44% | 0.71% | 0.73% | 0.78% |
| ANDERSON | 0.47% | 0.38% | 0.26% | 0.54% | 0.75% | 0.77% |
| CLARK | 0.88% | 0.83% | 0.43% | 0.44% | 0.45% | 0.77% |
| PULASKI | 0.47% | 0.54% | 0.38% | 0.60% | 0.69% | 0.77% |
| TAYLOR | 0.83% | 0.58% | 0.18% | 0.48% | 0.73% | 0.77% |
| WOODFORD | 0.44% | 0.63% | 0.18% | 0.41% | 0.46% | 0.77% |
| WARREN | 0.53% | 0.47% | 0.31% | 0.49% | 0.61% | 0.76% |
| BRECKINRIDGE | 0.58% | 0.79% | 0.40% | 0.42% | 0.54% | 0.75% |
| JEFFERSON | 0.55% | 0.54% | 0.41% | 0.48% | 0.65% | 0.75% |
| MADISON | 0.86% | 0.61% | 0.34% | 0.42% | 0.52% | 0.75% |
| CAMPBELL | 0.50% | 0.46% | 0.42% | 0.34% | 0.41% | 0.74% |
| CHRISTIAN | 0.72% | 0.61% | 0.36% | 0.86% | 0.68% | 0.74% |
| HARDIN | 0.67% | 0.38% | 0.33% | 0.60% | 0.48% | 0.74% |
| CLINTON | 0.53% | 0.53% | 0.26% | 0.74% | 0.70% | 0.73% |
| CUMBERLAND | 0.74% | 0.71% | 0.22% | 0.62% | 0.76% | 0.73% |
| FAYETTE | 0.45% | 0.44% | 0.25% | 0.35% | 0.51% | 0.71% |
| DAVIESS | 0.53% | 0.40% | 0.41% | 0.45% | 0.51% | 0.70% |
| ROWAN | 0.66% | 0.47% | 0.45% | 0.71% | 0.87% | 0.69% |
| ESTILL | 2.99% | 0.87% | 0.12% | 0.85% | 0.68% | 0.68% |
| JESSAMINE | 0.66% | 0.53% | 0.24% | 0.40% | 0.46% | 0.66% |
| METCALFE | 0.18% | 0.84% | 0.66% | 0.95% | 0.94% | 0.66% |
| WHITLEY | 0.70% | 0.73% | 0.33% | 0.75% | 0.80% | 0.65% |
| BARREN | 0.71% | 0.56% | 0.42% | 0.54% | 0.74% | 0.64% |
| GRANT | 0.66% | 0.63% | 0.52% | 0.74% | 0.75% | 0.64% |
| MONTGOMERY | 0.49% | 0.71% | 0.30% | 0.69% | 0.69% | 0.64% |
| TRIGG | 0.62% | 0.24% | 0.18% | 0.79% | 0.28% | 0.64% |
| BATH | 0.81% | 0.59% | 0.37% | 0.84% | 1.09% | 0.63% |
| UNION | 1.14% | 1.05% | 0.17% | 0.86% | 0.52% | 0.63% |
| HENDERSON | 0.48% | 0.61% | 0.29% | 0.60% | 0.46% | 0.61% |
| SCOTT | 0.50% | 0.49% | 0.31% | 0.21% | 0.39% | 0.59% |
| BULLITT | 0.62% | 0.36% | 0.26% | 0.37% | 0.58% | 0.58% |
| GARRARD | 0.89% | 0.60% | 0.34% | 0.38% | 0.52% | 0.58% |
| ROCKCASTLE | 0.54% | 0.42% | 0.20% | 0.64% | 1.17% | 0.58% |
| WAYNE | 0.50% | 0.13% | 0.29% | 0.41% | 0.40% | 0.58% |
| LAUREL | 0.80% | 0.46% | 0.39% | 0.67% | 0.59% | 0.57% |
| KENTON | 0.58% | 0.65% | 0.32% | 0.45% | 0.58% | 0.56% |
| CARROLL | 0.75% | 0.36% | 0.35% | 0.44% | 0.64% | 0.55% |
| OLDHAM | 0.43% | 0.40% | 0.37% | 0.40% | 0.54% | 0.55% |
| BREATHITT | 0.29% | 1.17% | 0.57% | 0.27% | 0.52% | 0.54% |
| LAWRENCE | 0.53% | 0.64% | 0.37% | 1.14% | 0.75% | 0.54% |
| BRACKEN | 0.78% | 0.77% | 0.37% | 0.69% | 0.96% | 0.51% |
| BUTLER | 1.07% | 1.06% | 0.40% | 1.07% | 1.05% | 0.50% |
| NELSON | 0.57% | 0.63% | 0.36% | 0.49% | 0.49% | 0.49% |
| RUSSELL | 0.87% | 0.46% | 0.24% | 0.68% | 0.80% | 0.48% |
| MONROE | 1.04% | 0.94% | 0.53% | 0.81% | 0.00% | 0.46% |
| LYON | 0.50% | 0.67% | 0.18% | 0.52% | 0.44% | 0.45% |
| ELLIOTT | 2.76% | 0.00% | 0.00% | 0.48% | 1.36% | 0.44% |
| FLEMING | 0.53% | 0.17% | 0.84% | 0.97% | 0.58% | 0.43% |
| PERRY | 0.28% | 1.24% | 0.33% | 0.87% | 0.71% | 0.41% |
| BOONE | 0.58% | 0.52% | 0.32% | 0.35% | 0.46% | 0.40% |
| SPENCER | 0.42% | 0.35% | 0.16% | 0.56% | 0.70% | 0.36% |
| CASEY | 1.12% | 1.09% | 0.34% | 0.31% | 0.83% | 0.27% |
| OWEN | 0.98% | 0.77% | 0.56% | 0.79% | 0.87% | 0.27% |
| FULTON | 1.10% | 0.00% | 2.91% | 2.06% | 1.02% | 0.00% |
| OWSLEY | 0.93% | 2.68% | 0.85% | 4.00% | 0.00% | 0.00% |
Source: U.S. Senate Budget Committee, "Next to Fall," December 2024. Aggregated across reporting insurers; no company-level breakdown exists in the release. A high rate means insurers pulled back in that county, not that any specific company did.