| Year: | 1995 |
| Team: | Western Kentucky Hilltoppers |
| Sport: | football |
| Conference: | Independent |
| Record: | 2–8 |
| Head Coach: | Jack Harbaugh |
| Hc Year: | 7th |
| Captain: | Stephon Benford, Daryl Houston, Dan McGrath |
| Stadium: | L. T. Smith Stadium |
The 1995 Western Kentucky Hilltoppers football team represented Western Kentucky University as an independent during the 1995 NCAA Division I-AA football season Led by seventh-year head coach Jack Harbaugh, the Hilltoppers compiled a record of 2–8. The team's captains were Stephon Benford, Daryl Houston, and Dan McGrath.[1]