Home Insurance in Ludlow, Kentucky
The median home value in Ludlow is $184,800, 24% lower than the Kenton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Ludlow was built in 1939 or earlier. About 73% of homes were built before 1960, about 39 points above Kenton County's 34%.
Housing in Ludlow breaks down to 80% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Ludlow, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ludlow has an owner-occupancy rate of 76% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Ludlow, 71% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Ludlow? 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.
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 | $184,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 76% |
| 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)