Home Insurance in Fairview, Kentucky
Homes in Fairview carry a median value of $133,300 - 45% lower than the Kenton County median.
The typical home in Fairview was built around 1948. About 65% of homes were built before 1960, about 30 points above Kenton County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Fairview, the housing stock is 97% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fairview, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 98% of occupied homes in Fairview are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 44% of homes in Fairview are primarily heated with fuel oil.
What's the biggest home insurance risk near Fairview? FEMA's National Risk Index points to strong wind (Relatively High) in Kenton County and 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.
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 | $133,300 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)