Home Insurance in Bullitt County, Kentucky
Homes in Bullitt County carry a median value of $247,200 - 20% higher than the Kentucky median.
The typical home in Bullitt County was built around 1993. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, about 15 points below Kentucky's 22%.
In Bullitt County, the housing stock is 83% single-family homes, 5% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in Bullitt County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bullitt County has an owner-occupancy rate of 85% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Bullitt County are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively High), tornado (Relatively Moderate) and inland flooding (Relatively Moderate) as the leading hazards for Bullitt County.
Bullitt County had 601 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $247,200 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 601 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
- Fox Chase
- Hebron Estates
- Hillview
- Hunters Hollow
- Lebanon Junction
- Mount Washington
- Pioneer Village
- Shepherdsville
Sources
- 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)