HomeInsuranceQts

Home Insurance in Wilder, Kentucky

Homes in Wilder carry a median value of $159,900 - 37% lower than the Campbell County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wilder was built around 1992. About 5% of homes were built before 1960, about 35 points below Campbell County's 41%.

Housing in Wilder breaks down to 40% single-family homes and 59% apartments in buildings with 5+ units.

66% of owner-occupied homes in Wilder carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Wilder are owner-occupied.

62% of homes in Wilder are primarily heated with electricity.

FEMA rates Campbell County's overall risk as Relatively Low, led by tornado (Relatively Moderate). 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$159,900
Median year built1992
Owner-occupied share81%
Share of owner-occupied homes with a mortgage66%
Top county hazardTornado (Relatively Moderate)
Active NFIP policies in Campbell County487
Home insurance premium$1,525 - statewide average (NAIC, 2023 data)
Key home insurance figures for Wilder, KY

Nearby towns

Sources

Data last updated: 2026-09-29