Home Insurance in Lebanon Junction, Kentucky
The median home value in Lebanon Junction is $156,000, 37% lower than the Bullitt County median.
The typical home in Lebanon Junction was built around 1973. About 31% of homes were built before 1960, about 24 points above Bullitt County's 6%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lebanon Junction is 75% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
63% of owner-occupied homes in Lebanon Junction carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lebanon Junction has an owner-occupancy rate of 78% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Lebanon Junction - 72% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Bullitt County had 601 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Bullitt 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 | $156,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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
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)