Home Insurance in Kenton County, Kentucky
With a median home value of $244,400, Kenton County is 19% higher than the Kentucky median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kenton County was built around 1974. About 34% of homes were built before 1960, about 13 points above Kentucky's 22%.
The housing stock in Kenton County is 72% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 67% of owner-occupied homes in Kenton County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kenton County has an owner-occupancy rate of 71% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Kenton County - 51% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Kenton County's top hazards are strong wind (Relatively High), tornado (Relatively High) and inland flooding (Relatively Moderate).
Kenton County had 290 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $244,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 290 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bromley
- Covington
- Crescent Springs
- Crestview Hills
- Edgewood
- Elsmere
- Erlanger
- Fairview
- Fort Mitchell
- Fort Wright
- Independence
- Kenton Vale
- Lakeside Park
- Ludlow
- Park Hills
- Ryland Heights
- Taylor Mill
- Villa Hills
Sources
- 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)