Home Insurance in Mentor, Kentucky
Homes in Mentor carry a median value of $222,700 - 12% lower than the Campbell County median.
The typical home in Mentor was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 1 point below Campbell County's 41%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mentor is 83% single-family homes and 16% mobile or manufactured homes.
In Mentor, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Mentor are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mentor - 58% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kentucky carries a statewide average premium of $1,525 per year.
Key figures
| Median home value | $222,700 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 83% |
| 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)