Compare quotes for your home in 40972! Compare the best 12 carriers in minutes.
Quickly Revew Homeowners Insurance in 40972
If you own a home in Oneida, KY you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.
GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 40972 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Kentucky licensed agents will also review your needs and make sure you have the appropriate coverage for your home.
If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 40972 and start comparing rates now.
40972 Homeowners Insurance Rates Are Considered: medium!
The average rate for a standard homeowners policy in 40972 is $1005 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.
We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.
Get 40972 Home Insurance Rate Quotes Right Now!
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Oneida, KY home insurance quotes in your local city and review the most competitive coverages and premiums.
40972 Home Insurance Average Premiums
$755 /yr.
Shows Zip Code: 40972 lowest rates with discounts applied on average.
For the 40972, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $755 /yr. |
| Average Coverage: | $1005 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1305 /yr. |
What is the average home insurance cost for a home in 40972?
- • The average homeowners insurance premium paid annually for a home in 40972 is around $1005 per year.
What does it cost on average per month for home insurance in 40972?
- • Homeowners in 40972 pay a monthly average cost per month around $84.00.
What kind of discount could I get if I combine my home and auto insurance together in 40972?
- • Autoowners in 40972 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
You can easily shop and compare home insurance rates within Oneida, check out other zip codes nearby 40972.
To review average rates in another zip code, click on a zip code below:
40972 |
Home Replacement Cost Coverage in 40972
Average Building Cost Per Square Foot in 40972: $118
Location: Oneida, Kentucky (Clay County)Average Square Footage in 40972: 406 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 40972 before you start any project. Oneida homeowners pay on average around $118 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 40972 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 40972 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 406 sq. ft. and the average cost to rebuild the home in this area is around $118 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Oneida area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $118 | 406 | $47,900 |
| Additional Upgrades & Added Features | $148 | 406 | $59,875 |
| Major Home Updates or Advancements | $177 | 406 | $71,850 |
It's important to understand that when you estimate your replacement cost of your home in the 40972 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 40972
Best Home & Auto Insurance Agencies in 40972
Housing Demographics for 40972
Population Review for 40972 Zip Code
For the city of Oneida, the population within 40972 has increased to over 1,277 residents in population size. The current population total is 1,402. We have broken down the population based on race below. In 40972, there are over 695 in male population and 707 females.
| Population | Values |
|---|---|
| Total Population | 1,402 |
| White Population | 1321 |
| Black Population | 24 |
| Hispanic Population | 29 |
| Asian Population | 2 |
| Hawaiian Population | 6 |
| Indian Population | 3 |
| Other Population | 7 |
| Male Population | 695 |
| Female Population | 707 |
| Population Estimate | 1277 |
Household Data for 40972
The average number of homes in 40972 is around 568, there are an average of 2.37 per household. The average house value according to local real estate values is around $47,900. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 568 |
| Persons Per Household | 2.37 |
| Average House Value | $47,900 |
| Income Per Household | $36379 |
| Median Age | 42.5 |
| Median Age Male | 41.4 |
| Median Age Female | 43.3 |
| 40972 Details | Values |
|---|---|
| State | KY |
| State Full Name | Kentucky |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 606 |
| City | Oneida |
| City Alias Name | ONEIDA |
| County | Clay |
| County FIPS | 051 |
| State FIPS | 21 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 371 |
| CBSA | 18340 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Corbin, KY |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 6 |
| Number Of Employees | 71 |
| Business First Quarter Payroll | 242 |
| Business Annual Payroll | 1292 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 35637 |
| CBSA Division Population | 0 |
| Congressional District | 05 |
| Congressional LandArea | 11235.15 |
| Delivery Residential | 539 |
| Delivery Business | 22 |
| Delivery Total | 1561 |
| Preferred Last Line Key | X15969 |
| Classification Code | |
| Multi-County | |
| CSA Name | Middlesborough-Corbin, KY |
| CBSA_DIV_Name | |
| City State Key | X15969 |
| Land Area | 73.844000 |
| Water Area | 0.602000 |
| City Alias Code | |
| City Mixed Case | Oneida |
| City Alias Mixed Case | Oneida |
| Box Count | 160 |
| SFDU | 539 |
| MFDU | 0 |
| State ANSI | 21 |
| County ANSI | 051 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 205820 |
| Unique ZIP Name | |
| SSA State County Code | 18250 |
| Medicare CBSA Code | 99918 |
| Medicare CBSA Name | Rural Areas in KY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 8 |
| County Mixed Case | Clay |
Kentucky Homeowners Insurance News & Information
-
Coastal Texas Home Insurance Rates Posted on Wednesday 25th February, 2026
If you own a home along the Texas coastline, understanding Coastal Texas home insurance rates is critical to protecting both your property and your financial future. As a professional home insurance agent, I always explain to coastal homeowners that insuring a home near the Gulf comes with unique risks — especially from hurricanes, tropical storms, […]
-
Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026
Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]
-
Texas Homeowners Insurance: 2026 Market Update Posted on Monday 26th January, 2026
Texas homeowners are continuing to face one of the most challenging insurance markets in the country — driven by extreme weather risks, rising repair costs, and shifting insurer participation. Below is the latest overview of what buyers should know and how they can save on coverage. 1. Texas Insurance Market Landscape in 2026 Homeowners insurance […]