Home Insurance in Hebron Estates, Kentucky
Homes in Hebron Estates carry a median value of $290,200 - 17% higher than the Bullitt County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hebron Estates was built around 1982. About 2% of homes were built before 1960, about 5 points below Bullitt County's 6%.
The housing stock in Hebron Estates is 69% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Hebron Estates, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Hebron Estates are owner-occupied.
Most homes in Hebron Estates - 56% - are primarily heated with natural gas.
Bullitt County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Bullitt County had 601 active NFIP flood policies as of September 2026. See the full Bullitt County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kentucky carries a statewide average premium of $1,525 per year.
Key figures
| Median home value | $290,200 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Bullitt County | 601 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Nearby towns
- Pioneer Village
- Fox Chase
- Hillview
- Hunters Hollow
- Heritage Creek
- Shepherdsville
- Hollyvilla
- South Park View
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)