Home Insurance in Cambridge, Kentucky
The median home value in Cambridge is $256,500, close to the Jefferson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cambridge was built around 1962. About 45% of homes were built before 1960, about 10 points above Jefferson County's 35%.
In Cambridge, the housing stock is 79% single-family homes and 21% apartments in buildings with 5+ units.
74% of owner-occupied homes in Cambridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Cambridge are owner-occupied.
In Cambridge, 62% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Cambridge? FEMA's National Risk Index points to tornado (Very High) in Jefferson County and Jefferson County had 3,848 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $256,500 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Jefferson County | 3,848 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Nearby towns
- Lincolnshire
- St. Regis Park
- Houston Acres
- Meadowview Estates
- Hurstbourne Acres
- Forest Hills
- Hurstbourne
- Norwood
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)