Home Insurance in Sharpsburg, Kentucky
With a median home value of $84,300, Sharpsburg is 35% lower than the Bath County median.
The typical home in Sharpsburg was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, about 14 points above Bath County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sharpsburg is 63% single-family homes, 28% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Sharpsburg, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sharpsburg has an owner-occupancy rate of 58% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Sharpsburg are primarily heated with natural gas.
What's the biggest home insurance risk near Sharpsburg? FEMA's National Risk Index points to winter weather (Relatively Low) in Bath County and Bath County had 63 active NFIP flood policies as of September 2026. See the full Bath County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kentucky is $1,525 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $84,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Bath County | 63 |
| 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)