Home Insurance in Sturgis, Kentucky
With a median home value of $84,500, Sturgis is 19% lower than the Union County median.
The typical home in Sturgis was built around 1964. About 42% of homes were built before 1960, about 15 points above Union County's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Sturgis is 76% single-family homes, 8% apartments in buildings with 5+ units and 4% 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 40% of owner-occupied homes in Sturgis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sturgis has an owner-occupancy rate of 59% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
51% of homes in Sturgis are primarily heated with natural gas.
What's the biggest home insurance risk near Sturgis? FEMA's National Risk Index points to earthquake (Relatively Low) in Union County and Union County had 14 active NFIP flood policies as of September 2026. See the full Union County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $84,500 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Union County | 14 |
| 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)