Home Insurance in Edgewood, Kentucky
With a median home value of $312,200, Edgewood is 28% higher than the Kenton County median.
The typical home in Edgewood was built around 1976. About 12% of homes were built before 1960, about 22 points below Kenton County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Edgewood, the housing stock is 96% single-family homes and 3% apartments in buildings with 5+ units.
About 62% of owner-occupied homes in Edgewood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Edgewood has an owner-occupancy rate of 93% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
51% of homes in Edgewood are primarily heated with natural gas.
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.
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 | $312,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)