Home Insurance in Brandenburg, Kentucky
With a median home value of $214,700, Brandenburg is close to the Meade County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Brandenburg was built around 1987. About 24% of homes were built before 1960, about 9 points above Meade County's 15%.
In Brandenburg, the housing stock is 53% single-family homes, 16% apartments in buildings with 5+ units and 5% 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.
About 57% of owner-occupied homes in Brandenburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 47% of occupied homes in Brandenburg are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Brandenburg - 66% - are primarily heated with electricity.
FEMA rates Meade County's overall risk as Very Low, led by strong wind (Relatively Moderate). Meade County had 26 active NFIP flood policies as of September 2026. See the full Meade 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 | $214,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Meade County | 26 |
| 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)