Home Insurance in Villa Hills, Kentucky
Homes in Villa Hills carry a median value of $362,500 - 48% higher than the Kenton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Villa Hills was built around 1981. About 3% of homes were built before 1960, about 31 points below Kenton County's 34%.
Housing in Villa Hills breaks down to 89% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Villa Hills, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Villa Hills are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Villa Hills, 52% of homes 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.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $362,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)