Some homeowner insurance companies offer coverage for mold removal or remediation when it has been damaged by water damage from sudden accidents or emergencies like a burst pipe.
However, because
mold remediation can be so expensive, most
insurance companies have put in measures to reduce their risk of paying the extortionate amounts out to their customers.
This is why people who live in humid climates find it difficult to get coverage for mold remediation as their homes are prone to experiencing mold growth. Things like your bath overflowing, leaking, or failing to attend to a water appliance that has been leaking for your years will not permit you coverage of your home.
Most home insurance carrier’s will offer between $1-$10,000 limit for their mold coverage, but mold remediation for an entire home can cost upwards of $30,000 sometimes, so the customer will need to find the funds to cover those costs elsewhere.
Why won’t my home insurance policy cover my mold problem?
If you’ve had a water leak for years and failed to sort the problem out and now that area has developed a mold infestation, then you will not be entitled to coverage as that is neglect on your behalf and it does not count as an accident or emergency.
If you live in a humid area and you have failed to take the right precautions e.g using a dehumidifier in areas of your home where moisture levels are high, then you will not be entitled to coverage as that is your responsibility to take action against mold growth.
Unfortunately, due to the high number of storms and flooding that happens, home insurance companies are unable to offer policies that cover mold growth due to water damage from these natural events.
However, things that are out of your control like your water heater bursting or your dishwasher or washer malfunctioning and leaking water everywhere will entitle you to coverage if mold has started to grow due to this malfunction.
If you were unfortunate to have a house fire in your home and mold has appeared from where the firefighters have used water to extinguish the flames, then your homeowner’s insurance should cover you.
The best way to find out is by thoroughly talking through what is and what isn’t covered by your insurance policy with your provider, then you will not be left in the dark if something did happen.
If your insurance policy doesn’t offer mold coverage, then there may be another way around to getting coverage. Some home insurance companies offer a ‘buyback’ scheme for mold claims, which lets the customer pay more money on their policy in exchange for limited mold coverage.
However, there are some insurance companies that will cap the amount that they offer for this coverage or only pay for certain parts of the process like testing or the clean-up, as mold remediation can be very expensive.
If your insurance policy doesn’t offer mold coverage, then the best thing to do it so take preventive precautions like ventilating your home properly, using dehumidifiers in areas like the basement, installing exhaust fans in the kitchen and the bathroom.
Yes, mold removal can work out to be very expensive especially when structural damage is involved. The price of mold removal will depend on the extent of the damage and the size of the area that is affected.
Smaller areas of your home like crawl spaces, attics, walls, and ducts may only cost between $500 to $6000 to do https://www.reddit.com/r/Ask_Water_Damage_Pros/, however, if walls or ceilings need to be taken down due to excessive mold growth then you could be looking at paying at around $30,000 altogether to get the mold removed and to get your home back to normal. We
These costs are so high because they’re performed by licensed professionals who put their health at risk by working in contact with toxic mold every day.
These jobs can take weeks to execute and there are a lot of steps taken to ensure that the mold is removed safely and preventive measures are put in place.
| 27,952 | 2 | 17.6 sq mi (45.6 km2) | 1797 | Henderson |
| Heritage Creek[a 1] | 1,076 | 5 | 0.4 sq mi (1.0 km2) | | Jefferson |
| Hickman | 2,395 | 4 | 3.6 sq mi (9.3 km2) | | Fulton |
| Hickory Hill | 114 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Highland Heights | 6,923 | 4 | 2.6 sq mi (6.7 km2) | 1867 | Campbell |
| Hills and Dales | 142 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Hillview | 8,172 | 4 | 3.3 sq mi (8.5 km2) | 1974 | Bullitt |
| Hindman | 777 | 5 | 3.1 sq mi (8.0 km2) | 1884 | Knott |
| Hodgenville | 3,206 | 4 | 2.1 sq mi (5.4 km2) | 1818 | Larue |
| Hollow Creek | 783 | 5 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Hollyvilla | 537 | 6 | 0.3 sq mi (0.8 km2) | | Jefferson |
| Hopkinsville | 31,577 | 2 | 30.8 sq mi (79.8 km2) | 1799 | Christian |
| Horse Cave | 2,311 | 4 | 2.7 sq mi (7.0 km2) | 1864 | Hart |
| Houston Acres | 507 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Hunters Hollow | 386 | 6 | 0.1 sq mi (0.3 km2) | | Bullitt |
| Hurstbourne | 4,216 | 4 | 1.8 sq mi (4.7 km2) | 1982 | Jefferson |
| Hurstbourne Acres | 1,811 | 5 | 0.3 sq mi (0.8 km2) | | Jefferson |
| Hustonville | 405 | 5 | 1.0 sq mi (2.6 km2) | | Lincoln |
| Hyden | 365 | 6 | 1.3 sq mi (3.4 km2) | 1878 | Leslie |
| Independence | 24,757 | 3 | 17.7 sq mi (45.8 km2) | 1842 | Kenton |
| Indian Hills | 2,868 | 4 | 2.0 sq mi (5.2 km2) | 1999 | Jefferson |
| Inez | 717 | 6 | 1.7 sq mi (4.4 km2) | 1874 | Martin |
| Irvine | 2,715 | 4 | 1.5 sq mi (3.9 km2) | 1812 | Estill |
| Irvington | 1,181 | 5 | 0.9 sq mi (2.3 km2) | | Breckinridge |
| Island | 458 | 6 | 0.3 sq mi (0.8 km2) | | McLean |
| Jackson | 2,244 | 4 | 2.7 sq mi (7.0 km2) | 1839 | Breathitt |
| Jamestown | 1,794 | 5 | 3.0 sq mi (7.8 km2) | 1827 | Russell |
| Jeffersontown | 26,595 | 2 | 10.0 sq mi (25.9 km2) | 1797 | Jefferson |
| Jeffersonville | 1,506 | 5 | 2.5 sq mi (6.5 km2) | | Montgomery |
| Jenkins | 2,203 | 4 | 7.7 sq mi (19.9 km2) | | Letcher |
| Junction City | 2,241 | 4 | 1.8 sq mi (4.7 km2) | | Boyle |
| Kenton Vale | 110 | 6 | 0.1 sq mi (0.3 km2) | | Kenton |
| Kevil | 376 | 6 | 0.4 sq mi (1.0 km2) | | Ballard |
| Kingsley | 381 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Kuttawa | 649 | 5 | 2.7 sq mi (7.0 km2) | | Lyon |
| La Center | 1,009 | 5 | 0.6 sq mi (1.6 km2) | | Ballard |
| La Grange | 8,082 | 4 | 7.1 sq mi (18.4 km2) | 1827 | Oldham |
| LaFayette | 165 | 6 | 0.2 sq mi (0.5 km2) | | Christian |
| Lakeside Park | 2,668 | 5 | 0.8 sq mi (2.1 km2) | 1930 | Kenton |
| Lakeview Heights | 185 | 6 | 0.1 sq mi (0.3 km2) | | Rowan |
| Lancaster | 3,442 | 4 | 1.9 sq mi (4.9 km2) | 1797 | Garrard |
| Langdon Place | 936 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Lawrenceburg | 10,505 | 4 | 5.9 sq mi (15.3 km2) | 1820 | Anderson |
| Lebanon | 6,331 | 4 | 5.3 sq mi (13.7 km2) | 1814 | Marion |
| Lebanon Junction | 1,813 | 5 | 5.7 sq mi (14.8 km2) | | Bullitt |
| Leitchfield | 6,699 | 4 | 10.9 sq mi (28.2 km2) | 1810 | Grayson |
| Lewisburg | 810 | 5 | 1.2 sq mi (3.1 km2) | | Logan |
| Lewisport | 1,670 | 5 | 1.0 sq mi (2.6 km2) | | Hancock |
| Lexington | 295,803 | 2 | 285.6 sq mi (739.7 km2) | 1790 | Fayette |
| Liberty | 2,168 | 5 | 1.9 sq mi (4.9 km2) | 1808 | Casey |
| Lincolnshire | 148 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Livermore | 1,365 | 5 | 1.0 sq mi (2.6 km2) | | McLean |
| Livingston | 226 | 6 | 0.3 sq mi (0.8 km2) | | Rockcastle |
| London | 7,993 | 4 | 10.3 sq mi (26.7 km2) | 1825 | Laurel |
| Loretto | 713 | 6 | 3.2 sq mi (8.3 km2) | | Marion |
| Louisa | 2,467 | 5 | 1.6 sq mi (4.1 km2) | 1818 | Lawrence |
| Louisville[a 2] | 597,337 | 1 | 342.2 sq mi (886.3 km2) | 1778 | Jefferson |
| Loyall | 1,461 | 5 | 1.4 sq mi (3.6 km2) | | Harlan |
| Ludlow | 4,407 | 4 | 1.2 sq mi (3.1 km2) | 1864 | Kenton |
| Lynch | 747 | 5 | 0.3 sq mi (0.8 km2) | 1917 | Harlan |
| Lyndon | 11,002 | 4 | 3.6 sq mi (9.3 km2) | 1871 | Jefferson |
| Lynnview | 914 | 5 | 0.2 sq mi (0.5 km2) | | Jefferson |
| McHenry | 388 | 6 | 0.7 sq mi (1.8 km2) | | Ohio |
| McKee | 800 | 5 | 2.3 sq mi (6.0 km2) | | Jackson |
| Mackville | 222 | 6 | 0.4 sq mi (1.0 km2) | | Washington |
| Madisonville | 19,591 | 4 | 18.7 sq mi (48.4 km2) | 1807 | Hopkins |
| Manchester | 1,255 | 4 | 1.5 sq mi (3.9 km2) | 1807 | Clay |
| Manor Creek | 140 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Marion | 3,039 | 4 | 3.4 sq mi (8.8 km2) | 1842 | Crittenden |
| Martin | 634 | 4 | 0.7 sq mi (1.8 km2) | | Floyd |
| Maryhill Estates | 179 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Mayfield | 10,024 | 3 | 10.4 sq mi (26.9 km2) | 1823 | Graves |
| Maysville | 9,011 | 3 | 21.4 sq mi (55.4 km2) | 1787 | Mason |
| Meadow Vale | 736 | 5 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Meadowbrook Farm | 136 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Meadowview Estates | 363 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Melbourne | 401 | 6 | 0.8 sq mi (2.1 km2) | | Campbell |
| Mentor | 193 | 6 | 0.7 sq mi (1.8 km2) | | Campbell |
| Middlesborough | 10,334 | 3 | 7.6 sq mi (19.7 km2) | 1890 | Bell |
| Middletown | 7,218 | 4 | 5.1 sq mi (13.2 km2) | 1797 | Jefferson |
| Midway | 1,641 | 4 | 1.1 sq mi (2.8 km2) | | Woodford |
| Millersburg | 792 | 5 | 0.4 sq mi (1.0 km2) | | Bourbon |
| Milton | 593 | 6 | 1.3 sq mi (3.4 km2) | | Trimble |
| Mockingbird Valley | 167 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Monterey | 138 | 6 | 0.3 sq mi (0.8 km2) | | Owen |
| Monticello | 6,188 | 4 | 5.9 sq mi (15.3 km2) | 1800 | Wayne |
| Moorland | 431 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Morehead | 6,845 | 4 | 9.5 sq mi (24.6 km2) | 1856 | Rowan |
| Morganfield | 3,285 | 4 | 3.0 sq mi (7.8 km2) | 1870 | Union |
| Morgantown | 2,394 | 5 | 2.4 sq mi (6.2 km2) | 1811 | Butler |
| Mortons Gap | 863 | 5 | 1.2 sq mi (3.1 km2) | | Hopkins |
| Mount Olivet | 299 | 5 | 0.4 sq mi (1.0 km2) | 1851 | Robertson |
| Mount Sterling | 6,895 | 4 | 4.4 sq mi (11.4 km2) | 1792 | Montgomery |
| Mount Vernon | 2,477 | 5 | 1.7 sq mi (4.4 km2) | 1790 | Rockcastle |
| Mount Washington | 9,117 | 4 | 6.1 sq mi (15.8 km2) | 1822 | Bullitt |
| Muldraugh | 947 | 5 | 0.6 sq mi (1.6 km2) | | Meade |
| Munfordville | 1,615 | 5 | 2.3 sq mi (6.0 km2) | 1816 | Hart |
| Murray | 17,741 | 3 | 11.3 sq mi (29.3 km2) | 1844 | Calloway |
| Murray Hill | 582 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Nebo | 236 | 6 | 0.3 sq mi (0.8 km2) | | Hopkins |
| New Castle | 912 | 5 | 0.4 sq mi (1.0 km2) | 1798 | Henry |
| New Haven | 855 | 6 | 0.6 sq mi (1.6 km2) | | Nelson |
| Newport | 15,273 | 2 | 3.0 sq mi (7.8 km2) | 1794 | Campbell |
| Nicholasville | 28,015 | 3 | 13.1 sq mi (33.9 km2) | 1812 | Jessamine |
| Norbourne Estates | 441 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| North Middletown | 643 | 5 | 0.3 sq mi (0.8 km2) | | Bourbon |
| Northfield | 1,020 | 5 | 0.5 sq mi (1.3 km2) | | Jefferson |
| Nortonville | 1,204 | 5 | 1.1 sq mi (2.8 km2) | | Hopkins |
| Norwood | 370 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Oak Grove | 7,489 | 4 | 10.8 sq mi (28.0 km2) | 1828 | Christian |
| Oakland | 225 | 6 | 1.4 sq mi (3.6 km2) | | Warren |
| Old Brownsboro Place | 353 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Olive Hill | 1,599 | 4 | 1.8 sq mi (4.7 km2) | 1861 | Carter |
| Orchard Grass Hills | 1,595 | 5 | 0.4 sq mi (1.0 km2) | | Oldham |
| Owensboro | 57,265 | 2 | 20.4 sq mi (52.8 km2) | 1816 | Daviess |
| Owenton | 1,327 | 5 | 1.1 sq mi (2.8 km2) | 1822 | Owen |
| Owingsville | 1,530 | 4 | 2.4 sq mi (6.2 km2) | 1829 | Bath |
| Paducah | 25,024 | 2 | 20.0 sq mi (51.8 km2) | 1830 | McCracken |
| Paintsville | 3,459 | 4 | 2.8 sq mi (7.3 km2) | 1834 | Johnson |
| Paris | 8,553 | 3 | 6.0 sq mi (15.5 km2) | 1789 | Bourbon |
| Park City | 537 | 5 | 1.5 sq mi (3.9 km2) | | Barren |
| Park Hills | 2,970 | 4 | 0.8 sq mi (2.1 km2) | 1927 | Kenton |
| Parkway Village | 650 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Pembroke | 869 | 6 | 1.1 sq mi (2.8 km2) | | Christian |
| Perryville | 751 | 5 | 0.8 sq mi (2.1 km2) | | Boyle |
| Pewee Valley | 1,456 | 5 | 2.0 sq mi (5.2 km2) | | Oldham |
| Pikeville | 6,903 | 4 | 21.1 sq mi (54.6 km2) | 1823 | Pike |
| Pineville | 1,732 | 4 | 1.7 sq mi (4.4 km2) | 1781 | Bell |
| Pioneer Village | 2,030 | 4 | 0.7 sq mi (1.8 km2) | | Bullitt |
| Pippa Passes | 533 | 6 | 0.5 sq mi (1.3 km2) | | Knott |
| Plantation | 832 | 5 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Pleasureville | 834 | 6 | 0.5 sq mi (1.3 km2) | | Henry
Shelby |
| Plum Springs | 453 | 6 | 0.3 sq mi (0.8 km2) | | Warren |
| Poplar Hills | 362 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Powderly | 745 | 5 | 1.6 sq mi (4.1 km2) | | Muhlenberg |
| Prestonsburg | 3,255 | 4 | 12.9 sq mi (33.4 km2) | 1797 | Floyd |
| Prestonville | 161 | 6 | 0.2 sq mi (0.5 km2) | | Carroll |
| Princeton | 6,329 | 4 | 9.0 sq mi (23.3 km2) | 1817 | Caldwell |
| Prospect | 4,698 | 3 | 3.9 sq mi (10.1 km2) | 1974[3] | Jefferson
Oldham |
| Providence | 3,193 | 4 | 6.1 sq mi (15.8 km2) | 1828 | Webster |
| Raceland | 2,424 | 5 | 2.5 sq mi (6.5 km2) | | Greenup |
| Radcliff | 21,688 | 2 | 12.4 sq mi (32.1 km2) | 1919 | Hardin |
| Ravenna | 605 | 5 | 0.3 sq mi (0.8 km2) | | Estill |
| Raywick | 134 | 6 | 0.9 sq mi (2.3 km2) | | Marion |
| Richlawn | 405 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Richmond | 31,364 | 2 | 23.1 sq mi (59.8 km2) | 1798 | Madison |
| River Bluff | 403 | 6 | 0.2 sq mi (0.5 km2) | | Oldham |
| Riverwood | 446 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Robards | 515 | 6 | 3.0 sq mi (7.8 km2) | | Henderson |
| Rochester | 152 | 6 | 0.5 sq mi (1.3 km2) | | Butler |
| Rockport | 266 | 6 | 0.7 sq mi (1.8 km2) | | Ohio |
| Rolling Fields | 646 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Rolling Hills | 959 | 5 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Russell | 3,380 | 4 | 3.0 sq mi (7.8 km2) | 1869 | Greenup |
| Russell Springs | 2,441 | 5 | 4.5 sq mi (11.7 km2) | | Russell |
| Russellville | 6,947 | 4 | 10.8 sq mi (28.0 km2) | 1798 | Logan |
| Ryland Heights | 1,022 | 6 | 5.3 sq mi (13.7 km2) | | Kenton |
| Sacramento | 468 | 6 | 0.4 sq mi (1.0 km2) | | McLean |
| Sadieville | 303 | 5 | 1.1 sq mi (2.8 km2) | | Scott |
| St. Charles | 277 | 6 | 1.0 sq mi (2.6 km2) | | Hopkins |
| St. Matthews | 17,472 | 4 | 4.3 sq mi (11.1 km2) | 1800 | Jefferson |
| St. Regis Park | 1,454 | 4 | 0.4 sq mi (1.0 km2) | | Jefferson |
| Salem | 752 | 6 | 0.9 sq mi (2.3 km2) | | Livingston |
| Salt Lick | 303 | 6 | 0.8 sq mi (2.1 km2) | | Bath |
| Salyersville | 1,883 | 4 | 2.5 sq mi (6.5 km2) | 1861 | Magoffin |
| Sanders | 238 | 6 | 0.3 sq mi (0.8 km2) | | Carroll |
| Sandy Hook | 675 | 5 | 1.0 sq mi (2.6 km2) | 1869 | Elliott |
| Sardis | 103 | 6 | 1.0 sq mi (2.6 km2) | | Mason
Robertson |
| Science Hill | 693 | 6 | 0.6 sq mi (1.6 km2) | | Pulaski |
| Scottsville | 4,226 | 4 | 5.7 sq mi (14.8 km2) | 1816 | Allen |
| Sebree | 1,603 | 5 | 2.9 sq mi (7.5 km2) | | Webster |
| Seneca Gardens | 696 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Sharpsburg | 323 | 6 | 0.2 sq mi (0.5 km2) | | Bath |
| Shelbyville | 14,045 | 4 | 8.2 sq mi (21.2 km2) | 1792 | Shelby |
| Shepherdsville | 11,222 | 4 | 10.0 sq mi (25.9 km2) | 1793 | Bullitt |
| Shively | 15,264 | 3 | 4.6 sq mi (11.9 km2) | 1831 | Jefferson |
| Silver Grove | 1,102 | 5 | 1.7 sq mi (4.4 km2) | | Campbell |
| Simpsonville | 2,484 | 5 | 2.2 sq mi (5.7 km2) | | Shelby |
| Slaughters | 216 | 6 | 0.2 sq mi (0.5 km2) | | Webster |
| Smithfield | 106 | 6 | 0.1 sq mi (0.3 km2) | | Henry |
| Smithland | 301 | 6 | 0.5 sq mi (1.3 km2) | 1805 | Livingston |
| Smiths Grove | 714 | 5 | 0.8 sq mi (2.1 km2) | | Warren |
| Somerset | 11,196 | 3 | 11.3 sq mi (29.3 km2) | 1801 | Pulaski |
| Sonora | 513 | 6 | 1.1 sq mi (2.8 km2) | | Hardin |
| South Carrollton | 184 | 6 | 0.3 sq mi (0.8 km2) | | Muhlenberg |
| South Park View | 7 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| South Shore | 1,122 | 5 | 0.9 sq mi (2.3 km2) | | Greenup |
| Southgate | 3,803 | 4 | 1.4 sq mi (3.6 km2) | 1907 | Campbell |
| Sparta | 231 | 6 | 5.9 sq mi (15.3 km2) | | Gallatin
Owen |
| Spring Mill | 287 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Spring Valley | 654 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Springfield | 2,519 | 4 | 3.7 sq mi (9.6 km2) | 1793 | Washington |
| Stamping Ground | 643 | 6 | 0.4 sq mi (1.0 km2) | | Scott |
| Stanford | 3,487 | 4 | 3.1 sq mi (8.0 km2) | 1786 | Lincoln |
| Stanton | 2,733 | 4 | 2.1 sq mi (5.4 km2) | 1854 | Powell |
| Strathmoor Manor | 337 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Strathmoor Village | 648 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Sturgis | 1,898 | 4 | 1.6 sq mi (4.1 km2) | | Union |
| Sycamore | 160 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Taylor Mill | 6,604 | 4 | 6.3 sq mi (16.3 km2) | 1810 | Kenton |
| Taylorsville | 763 | 5 | 0.3 sq mi (0.8 km2) | 1790 | Spencer |
| Ten Broeck | 103 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Thornhill | 178 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Tompkinsville | 2,402 | 5 | 3.6 sq mi (9.3 km2) | 1809 | Monroe |
| Trenton | 384 | 6 | 0.6 sq mi (1.6 km2) | | Todd |
| Union | 5,379 | 4 | 3.3 sq mi (8.5 km2) | | Boone |
| Uniontown | 1,002 | 5 | 0.9 sq mi (2.3 km2) | | Union |
| Upton | 683 | 6 | 1.4 sq mi (3.6 km2) | | Hardin
Larue |
| Vanceburg | 1,518 | 4 | 1.3 sq mi (3.4 km2) | 1827 | Lewis |
| Versailles | 8,568 | 4 | 4.4 sq mi (11.4 km2) | 1792 | Woodford |
| Vicco | 334 | 6 | 0.8 sq mi (2.1 km2) | | Perry |
| Villa Hills | 7,489 | 4 | 4.4 sq mi (11.4 km2) | 1921 | Kenton |
| Vine Grove | 4,520 | 4 | 4.7 sq mi (12.2 km2) | 1850 | Hardin |
| Wallins Creek | 156 | 6 | 0.3 sq mi (0.8 km2) | | Harlan |
| Walton | 3,635 | 5 | 4.3 sq mi (11.1 km2) | | Boone
Kenton |
| Warfield | 269 | 6 | 0.8 sq mi (2.1 km2) | | Martin |
| Warsaw | 1,615 | 4 | 0.7 sq mi (1.8 km2) | 1798 | Gallatin |
| Water Valley | 279 | 6 | 0.6 sq mi (1.6 km2) | | Graves |
| Watterson Park | 976 | 5 | 1.4 sq mi (3.6 km2) | | Jefferson |
| Waverly | 308 | 6 | 0.3 sq mi (0.8 km2) | | Union |
| Wayland | 426 | 6 | 2.6 sq mi (6.7 km2) | | Floyd |
| Wellington | 565 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| West Buechel | 1,230 | 5 | 0.6 sq mi (1.6 km2) | | Jefferson |
| West Liberty | 3,435 | 4 | 4.4 sq mi (11.4 km2) | 1816 | Morgan |
| West Point | 797 | 5 | 0.6 sq mi (1.6 km2) | | Hardin |
| Westwood | 634 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Wheatcroft | 160 | 6 | 0.3 sq mi (0.8 km2) | | Webster |
| Wheelwright | 780 | 6 | 1.8 sq mi (4.7 km2) | | Floyd |
| White Plains | 884 | 5 | 3.2 sq mi (8.3 km2) | | Hopkins |
| Whitesburg | 2,139 | 4 | 3.2 sq mi (8.3 km2) | 1842 | Letcher |
| Whitesville | 552 | 6 | 0.4 sq mi (1.0 km2) | | Daviess |
| Whitley City | 1,170 | CDP | 2.3 sq mi (6.0 km2) | 1902 | McCreary |
| Wickliffe | 688 | 5 | 1.1 sq mi (2.8 km2) | 1880 | Ballard |
| Wilder | 3,035 | 5 | 3.8 sq mi (9.8 km2) | | Campbell |
| Wildwood | 261 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Williamsburg | 5,245 | 4 | 4.9 sq mi (12.7 km2) | 1819 | Whitley |
| Williamstown | 3,925 | 5 | 17.0 sq mi (44.0 km2) | 1820 | Grant
Pendleton |
| Willisburg | 282 | 6 | 0.7 sq mi (1.8 km2) | | Washington |
| Wilmore | 6,134 | 4 | 0.9 sq mi (2.3 km2) | | Jessamine |
| Winchester | 18,368 | 3 | 7.9 sq mi (20.5 km2) | 1792 | Clark |
| Windy Hills | 2,385 | 5 | 0.9 sq mi (2.3 km2) | | Jefferson |
| Wingo | 632 | 6 | 1.0 sq mi (2.6 km2) | | Graves |
| Woodburn | 355 | 6 | 0.4 sq mi (1.0 km2) | | Warren |
| Woodbury | 90 | 6 | 0.1 sq mi (0.3 km2) | | Butler |
| Woodland Hills | 696 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Woodlawn | 229 | 6 | 0.1 sq mi (0.3 km2) | | Campbell |
| Woodlawn Park | 942 | 5 | 0.3 sq mi (0.8 km2) | | Jefferson |
| Worthington | 1,609 | 5 | 1.2 sq mi (3.1 km2) | | Greenup |
| Worthington Hills | 1,446 | 6 | 0.3 sq mi (0.8 km2) | | Jefferson |
| Worthville | 185 | 6 | 0.3 sq mi (0.8 km2) | | Carroll |
| Wurtland |
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