Home Insurance in Crestview, Kentucky
With a median home value of $173,900, Crestview is 31% lower than the Campbell County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Crestview was built around 1951. About 78% of homes were built before 1960, about 37 points above Campbell County's 41%.
The housing stock in Crestview is 96% single-family homes.
In Crestview, about 82% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Crestview are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Crestview - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Crestview? 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.
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 | $173,900 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)