Home Insurance in Woodlawn, Kentucky
The median home value in Woodlawn is $202,300, 20% 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 Woodlawn was built around 1957. About 54% of homes were built before 1960, about 13 points above Campbell County's 41%.
Housing in Woodlawn breaks down to 100% single-family homes.
About 57% of owner-occupied homes in Woodlawn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Woodlawn are owner-occupied.
68% of homes in Woodlawn are primarily heated with natural gas.
What's the biggest home insurance risk near Woodlawn? FEMA's National Risk Index points to tornado (Relatively Moderate) in Campbell County and 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 | $202,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 80% |
| 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)