Home Insurance in Augusta, Kentucky
The median home value in Augusta is $110,200, 12% lower than the Bracken County median.
The typical home in Augusta was built around 1942. About 61% of homes were built before 1960, about 33 points above Bracken County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Augusta is 67% single-family homes, 15% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
59% of owner-occupied homes in Augusta carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Augusta has an owner-occupancy rate of 57% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
53% of homes in Augusta are primarily heated with natural gas.
FEMA rates Bracken County's overall risk as Very Low, led by strong wind (Relatively Moderate). Bracken County had 56 active NFIP flood policies as of September 2026. See the full Bracken County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kentucky carries a statewide average premium of $1,525 per year.
Key figures
| Median home value | $110,200 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Bracken County | 56 |
| 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)