Home Insurance in Burgin, Kentucky
With a median home value of $193,000, Burgin is close to the Mercer County median.
The typical home in Burgin was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 16 points above Mercer County's 24%.
In Burgin, the housing stock is 89% single-family homes, 2% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Burgin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Burgin has an owner-occupancy rate of 86% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
55% of homes in Burgin are primarily heated with electricity.
Mercer County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Mercer County had 80 active NFIP flood policies as of September 2026. See the full Mercer 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 | $193,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Mercer County | 80 |
| 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)