Home Insurance in Crescent Springs, Kentucky
Homes in Crescent Springs carry a median value of $302,100 - 24% higher than the Kenton County median.
The typical home in Crescent Springs was built around 1993. About 5% of homes were built before 1960, about 29 points below Kenton County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Crescent Springs, the housing stock is 40% single-family homes and 50% apartments in buildings with 5+ units.
About 67% of owner-occupied homes in Crescent Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 58% of occupied homes in Crescent Springs are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Crescent Springs, 62% of homes are primarily heated with electricity.
Kenton County had 290 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Kenton 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 | $302,100 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Kenton County | 290 |
| 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)