Home Insurance in Highland Heights, Kentucky
Homes in Highland Heights carry a median value of $169,700 - 33% lower than the Campbell County median.
The typical home in Highland Heights was built around 1985. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 18% of homes were built before 1960, about 23 points below Campbell County's 41%.
The housing stock in Highland Heights is 48% single-family homes and 49% apartments in buildings with 5+ units.
63% of owner-occupied homes in Highland Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Highland Heights are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Highland Heights, 65% of homes are primarily heated with electricity.
Campbell County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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 | $169,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)