Somerset (population 11,500) is small, rural, conservative and in a pretty spot in south-central Kentucky.   It is not far from Lake Cumberland, a large, popular water recreation area, and it has a sizeable retiree population with 22% of the town age 45 to 64 and 22% age 65 or above.  The cost of living is 20% below the national average, and the median home price is $85,000, making Somerset a very affordable place for retirement.  It is growing and has a crime rate below the national average, a definite plus.  The local economy is based on tourism (the lake), and the town holds the Somernites Cruise, the largest car show in Kentucky, which also draws tourists.  The hospital, Lake Cumberland Regional, has programs especially for seniors, and there is a senior center with programs and activities.

Much of that makes Somerset appealing.  Unfortunately, other factors weigh against Somerset.  Lake Cumberland's water level has been lowered due to fear of the dam breaking, and the level may stay low for quite some time.  Shopping is very limited (although there is a small mall and some box stores, including Wal-Mart).  Many stores are located along a highway.  Cultural amenities are sorely lacking, and dining choices are mostly fast food chains.   The overall consensus seems to be that Somerset is not a particularly friendly or welcoming town and although generally safe, has several areas that should be avoided.   When it comes to weather, summer temperatures can reach 100 degrees with humidity.  Winters are generally mild, with temperatures in the 30s and 40s (but they can dip into the 20s).  The area receives 4 to 5 inches of rain a month.  

NO

Very affordable and pretty location but lake recreation in trouble (for now), few amenities, hot and humid summers, limited dining and shopping and an unsettling unfriendliness in the town itself.