Home Insurance in Elsmere, Kentucky
The median home value in Elsmere is $171,900, 30% lower than the Kenton County median.
The typical home in Elsmere was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, in line with Kenton County (34%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Elsmere is 75% single-family homes, 12% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 68% of owner-occupied homes in Elsmere have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elsmere has an owner-occupancy rate of 75% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Elsmere, 49% of homes are primarily heated with electricity.
FEMA rates Kenton County's overall risk as Relatively Low, led by strong wind (Relatively High). Kenton County had 290 active NFIP flood policies as of September 2026. See the full Kenton County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $171,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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
- Edgewood
- Florence
- Crestview Hills
- Erlanger
- Lakeside Park
- Independence
- Fort Mitchell
- Crescent Springs
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)