Home Insurance in Southgate, Kentucky
Homes in Southgate carry a median value of $190,800 - 24% lower than the Campbell County median.
The typical home in Southgate was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, in line with Campbell County (41%).
The housing stock in Southgate is 49% single-family homes, 41% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
62% of owner-occupied homes in Southgate carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Southgate has an owner-occupancy rate of 59% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Southgate, 54% 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 | $190,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)