Home Insurance in Newport, Kentucky
The median home value in Newport is $217,600, 14% lower than the Campbell County median.
The typical home in Newport was built around 1947. About 60% of homes were built before 1960, about 19 points above Campbell County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Newport breaks down to 51% single-family homes, 30% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 57% of owner-occupied homes in Newport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Newport has an owner-occupancy rate of 48% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
57% of homes in Newport are primarily heated with natural gas.
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 | $217,600 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)