Home Insurance in Cynthiana, Kentucky
With a median home value of $172,500, Cynthiana is 15% lower than the Harrison County median.
The typical home in Cynthiana was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 8 points above Harrison County's 25%.
Housing in Cynthiana breaks down to 64% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 55% of owner-occupied homes in Cynthiana have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cynthiana has an owner-occupancy rate of 48% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Cynthiana, 48% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Cynthiana? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Harrison County and Harrison County had 103 active NFIP flood policies as of September 2026. See the full Harrison 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 | $172,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Harrison County | 103 |
| 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)