Home Insurance in Park Hills, Kentucky
Homes in Park Hills carry a median value of $282,100 - 15% higher than the Kenton County median.
The typical home in Park Hills was built around 1953. About 61% of homes were built before 1960, about 27 points above Kenton County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Park Hills breaks down to 60% single-family homes and 30% apartments in buildings with 5+ units.
73% of owner-occupied homes in Park Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Park Hills has an owner-occupancy rate of 67% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
69% of homes in Park Hills are primarily heated with natural gas.
What's the biggest home insurance risk near Park Hills? 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 | $282,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)