Home Insurance in Bellevue, Kentucky
Homes in Bellevue carry a median value of $206,500 - 18% lower than the Campbell County median.
The median home in Bellevue was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 84% of homes were built before 1960, about 43 points above Campbell County's 41%.
Housing in Bellevue breaks down to 70% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Bellevue, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Bellevue are owner-occupied.
Most homes in Bellevue - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Bellevue? FEMA's National Risk Index points to tornado (Relatively Moderate) in Campbell County and Campbell County had 487 active NFIP flood policies as of September 2026. See the full Campbell 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 | $206,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Campbell County | 487 |
| 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)