Home Insurance in Pioneer Village, Kentucky
With a median home value of $240,500, Pioneer Village is close to the Bullitt County median.
The typical home in Pioneer Village was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 5% of homes were built before 1960, in line with Bullitt County (6%).
Housing in Pioneer Village breaks down to 97% single-family homes and 3% apartments in buildings with 5+ units.
In Pioneer Village, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Pioneer Village are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pioneer Village - 68% - are primarily heated with natural gas.
What's the biggest home insurance risk near Pioneer Village? FEMA's National Risk Index points to strong wind (Relatively High) in Bullitt County and 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 | $240,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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
- Hebron Estates
- Fox Chase
- Hillview
- Hunters Hollow
- Heritage Creek
- Hollyvilla
- South Park View
- 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)