Home Insurance in Fort Wright, Kentucky
Homes in Fort Wright carry a median value of $328,900 - 35% higher than the Kenton County median.
The typical home in Fort Wright was built around 1974. About 27% of homes were built before 1960, about 8 points below Kenton County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Fort Wright is 73% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 67% of owner-occupied homes in Fort Wright have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Fort Wright are owner-occupied.
In Fort Wright, 65% of homes are primarily heated with natural gas.
Kenton County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
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 | $328,900 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 71% |
| 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
- Kenton Vale
- Fort Mitchell
- Covington
- Park Hills
- Lakeside Park
- Crestview Hills
- Crescent Springs
- Bromley
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)