Home Insurance in Shepherdsville, Kentucky
The median home value in Shepherdsville is $222,100, 10% lower 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 Shepherdsville was built around 1996. About 5% of homes were built before 1960, about 2 points below Bullitt County's 6%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Shepherdsville is 73% single-family homes, 13% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 69% of owner-occupied homes in Shepherdsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Shepherdsville has an owner-occupancy rate of 74% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Shepherdsville, 51% of homes are primarily heated with electricity.
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.
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 | $222,100 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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
- Fox Chase
- Hebron Estates
- Pioneer Village
- Hillview
- Hunters Hollow
- Hollyvilla
- Mount Washington
- Heritage Creek
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)