Home Insurance in Taylor Mill, Kentucky
Homes in Taylor Mill carry a median value of $241,000 - close to the Kenton County median.
The typical home in Taylor Mill was built around 1975. About 41% of homes were built before 1960, about 6 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.
The housing stock in Taylor Mill is 83% single-family homes and 16% apartments in buildings with 5+ units.
About 71% of owner-occupied homes in Taylor Mill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Taylor Mill has an owner-occupancy rate of 84% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 42% of homes in Taylor Mill are primarily heated with natural gas.
Kenton County had 290 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $241,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)