Home Insurance in Campton, Kentucky
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Campton was built around 1983. About 11% of homes were built before 1960, in line with Wolfe County (11%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Campton is 63% single-family homes, 12% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
About 57% of owner-occupied homes in Campton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 39% of occupied homes in Campton are owner-occupied.
Most homes in Campton - 55% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Wolfe County's overall risk as Very Low, led by wildfire (Relatively Low). Wolfe County has no active NFIP flood policies on file. See the full Wolfe 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 year built | 1983 |
|---|---|
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)