Home Insurance in Campbell County, Kentucky
With a median home value of $252,000, Campbell County is 23% higher than the Kentucky median.
The typical home in Campbell County was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 19 points above Kentucky's 22%.
In Campbell County, the housing stock is 68% single-family homes, 23% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Campbell County, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Campbell County has an owner-occupancy rate of 71% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Campbell County, 47% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Campbell County, per FEMA's National Risk Index, are tornado (Relatively Moderate), earthquake (Relatively Low) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Campbell County had 487 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $252,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 487 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alexandria
- Bellevue
- California
- Cold Spring
- Crestview
- Dayton
- Fort Thomas
- Highland Heights
- Melbourne
- Mentor
- Newport
- Silver Grove
- Southgate
- Wilder
- Woodlawn
Sources
- 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)