Home Insurance in Auburn, Kentucky
The median home value in Auburn is $122,900, 25% lower than the Logan County median.
The typical home in Auburn was built around 1967. About 35% of homes were built before 1960, about 15 points above Logan County's 21%. 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 Auburn is 84% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
63% of owner-occupied homes in Auburn carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Auburn are owner-occupied.
Most homes in Auburn - 52% - are primarily heated with natural gas.
FEMA rates Logan County's overall risk as Relatively Low, led by hail (Relatively Moderate). Logan County had 78 active NFIP flood policies as of September 2026. See the full Logan 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 | $122,900 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Logan County | 78 |
| 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)