Home Insurance in Stanton, Kentucky
With a median home value of $123,000, Stanton is 13% lower than the Powell County median.
The typical home in Stanton was built around 1982. About 10% of homes were built before 1960, about 1 point above Powell County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Stanton, the housing stock is 50% single-family homes, 16% apartments in buildings with 5+ units and 13% 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.
In Stanton, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Stanton has an owner-occupancy rate of 54% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Stanton, 53% of homes are primarily heated with electricity.
Powell County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Powell County had 117 active NFIP flood policies as of September 2026. See the full Powell 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 | $123,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Powell County | 117 |
| 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)