Home Insurance in Cold Spring, Kentucky
With a median home value of $253,600, Cold Spring is close to the Campbell County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cold Spring was built around 1999. About 10% of homes were built before 1960, about 31 points below Campbell County's 41%.
In Cold Spring, the housing stock is 75% single-family homes and 19% apartments in buildings with 5+ units.
In Cold Spring, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cold Spring has an owner-occupancy rate of 89% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Cold Spring, 50% of homes are primarily heated with electricity.
Campbell County had 487 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Campbell County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $253,600 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)