Home Insurance in Lawrenceburg, Kentucky
Homes in Lawrenceburg carry a median value of $201,100 - 11% lower than the Anderson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lawrenceburg was built around 1990. About 9% of homes were built before 1960, about 3 points below Anderson County's 13%.
The housing stock in Lawrenceburg is 83% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lawrenceburg, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lawrenceburg has an owner-occupancy rate of 69% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
74% of homes in Lawrenceburg are primarily heated with electricity.
FEMA rates Anderson County's overall risk as Very Low, led by strong wind (Relatively Moderate). Anderson County had 34 active NFIP flood policies as of September 2026. See the full Anderson County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $201,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Anderson County | 34 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)