Home Insurance in Stamping Ground, Kentucky
The median home value in Stamping Ground is $204,300, 29% lower than the Scott County median.
The typical home in Stamping Ground was built around 1975. About 23% of homes were built before 1960, about 13 points above Scott County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Stamping Ground is 77% single-family homes, 6% apartments in buildings with 5+ units and 6% 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 Stamping Ground, about 82% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Stamping Ground are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Stamping Ground, 70% of homes are primarily heated with electricity.
FEMA rates Scott County's overall risk as Relatively Low, led by strong wind (Relatively High). Scott County had 110 active NFIP flood policies as of September 2026. See the full Scott 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 | $204,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 82% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Scott County | 110 |
| 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)