Home Insurance in Bremen, Kentucky
With a median home value of $129,700, Bremen is close to the Muhlenberg County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bremen was built around 1980. About 28% of homes were built before 1960, about 8 points above Muhlenberg County's 20%.
The housing stock in Bremen is 82% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Bremen have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Bremen are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bremen - 69% - are primarily heated with natural gas.
What's the biggest home insurance risk near Bremen? FEMA's National Risk Index points to earthquake (Relatively Low) in Muhlenberg County and Muhlenberg County had 33 active NFIP flood policies as of September 2026. See the full Muhlenberg County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $129,700 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Muhlenberg County | 33 |
| 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)