Home Insurance in Mount Washington, Kentucky
With a median home value of $268,200, Mount Washington is 8% higher than the Bullitt County median.
The typical home in Mount Washington was built around 2002. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 4 points below Bullitt County's 6%.
In Mount Washington, the housing stock is 87% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
77% of owner-occupied homes in Mount Washington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Mount Washington are owner-occupied.
Most homes in Mount Washington - 52% - are primarily heated with electricity.
FEMA rates Bullitt County's overall risk as Relatively Low, led by strong wind (Relatively High). 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.
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 | $268,200 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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
- Heritage Creek
- Hebron Estates
- Pioneer Village
- Fox Chase
- Hillview
- Hunters Hollow
- Hollow Creek
- Shepherdsville
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)