Home Insurance in Jefferson County, Kentucky

Homes in Jefferson County carry a median value of $248,400 - 21% higher than the Kentucky median.

The typical home in Jefferson County was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 13 points above Kentucky's 22%.

The housing stock in Jefferson County is 68% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

In Jefferson County, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Jefferson County are owner-occupied.

Most homes in Jefferson County - 59% - are primarily heated with natural gas.

The top hazards for Jefferson County, per FEMA's National Risk Index, are tornado (Very High), inland flooding (Relatively High) and earthquake (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.

As of September 2026, Jefferson County has 3,848 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

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

Towns and cities

• Anchorage
• Audubon Park
• Barbourmeade
• Beechwood Village
• Bellemeade
• Blue Ridge Manor
• Brownsboro Farm
• Coldstream
• Fincastle
• Glenview
• Graymoor-Devondale
• Green Spring
• Heritage Creek
• Hollow Creek
• Houston Acres
• Hurstbourne
• Hurstbourne Acres
• Indian Hills
• Jeffersontown
• Langdon Place
• Lyndon
• Lynnview
• Meadow Vale
• Middletown
• Murray Hill
• Northfield
• Parkway Village
• Plantation
• Prospect
• Riverwood
• Rolling Fields
• Rolling Hills
• Seneca Gardens
• Shively
• Spring Valley
• St. Matthews
• St. Regis Park
• Strathmoor Village
• Watterson Park
• West Buechel
• Windy Hills
• Woodland Hills
• Woodlawn Park
• Worthington Hills

Smaller communities

• Bancroft
  • Median home value: $368,300
  • Median year built: 1973
  • Owner-occupied share: 100%
• Bellewood
  • Median home value: $476,600
  • Median year built: 1948
  • Owner-occupied share: 91%
• Briarwood
  • Median home value: $206,500
  • Median year built: 1973
  • Owner-occupied share: 84%
• Broeck Pointe
  • Median home value: $393,300
  • Median year built: 1976
  • Owner-occupied share: 95%
• Brownsboro Village
  • Median home value: $365,100
  • Median year built: 1954
  • Owner-occupied share: 89%
• Cambridge
  • Median home value: $256,500
  • Median year built: 1962
  • Owner-occupied share: 94%
• Creekside
  • Median home value: $320,300
  • Median year built: 1971
  • Owner-occupied share: 99%
• Crossgate
  • Median home value: $370,800
  • Median year built: 1967
  • Owner-occupied share: 100%
• Douglass Hills
  • Median home value: $346,300
  • Median year built: 1976
  • Owner-occupied share: 82%
• Druid Hills
  • Median home value: $491,700
  • Median year built: 1951
  • Owner-occupied share: 91%
• Forest Hills
  • Median home value: $250,800
  • Median year built: 1963
  • Owner-occupied share: 72%
• Glenview Hills
  • Median home value: $609,400
  • Median year built: 1971
  • Owner-occupied share: 94%
• Glenview Manor
  • Median home value: $625,000
  • Median year built: 1956
  • Owner-occupied share: 97%
• Goose Creek
  • Median home value: $343,100
  • Owner-occupied share: 93%
  • Share of owner-occupied homes with a mortgage: 48%
• Hickory Hill
  • Median home value: $307,100
  • Owner-occupied share: 93%
  • Share of owner-occupied homes with a mortgage: 69%
• Hills and Dales
  • Median home value: $528,400
  • Median year built: 1970
  • Owner-occupied share: 100%
• Hollyvilla
  • Median home value: $162,100
  • Median year built: 1961
  • Owner-occupied share: 89%
• Kingsley
  • Median home value: $359,500
  • Median year built: 1941
  • Owner-occupied share: 92%
• Lincolnshire
  • Median home value: $305,600
  • Median year built: 1956
  • Owner-occupied share: 89%
• Manor Creek
  • Median home value: $364,200
  • Median year built: 1967
  • Owner-occupied share: 100%
• Maryhill Estates
  • Median home value: $686,200
  • Median year built: 1964
  • Owner-occupied share: 99%
• Meadowbrook Farm
  • Median home value: $262,500
  • Median year built: 1975
  • Owner-occupied share: 96%
• Meadowview Estates
  • Median home value: $216,700
  • Median year built: 1973
  • Owner-occupied share: 48%
• Mockingbird Valley
  • Median home value: $1,178,600
  • Median year built: 1959
  • Owner-occupied share: 100%
• Moorland
  • Median home value: $228,200
  • Median year built: 1958
  • Owner-occupied share: 68%
• Norbourne Estates
  • Median home value: $636,800
  • Median year built: 1945
  • Owner-occupied share: 97%
• Norwood
  • Median home value: $369,100
  • Median year built: 1960
  • Owner-occupied share: 82%
• Old Brownsboro Place
  • Median home value: $466,200
  • Median year built: 1977
  • Owner-occupied share: 99%
• Poplar Hills
  • Median year built: 1962
  • Owner-occupied share: 0%
• Richlawn
  • Median home value: $414,100
  • Median year built: 1948
  • Owner-occupied share: 90%
• South Park View
• Spring Mill
  • Median home value: $316,700
  • Median year built: 1969
  • Owner-occupied share: 95%
• Strathmoor Manor
  • Median home value: $415,100
  • Median year built: 1939 or earlier
  • Owner-occupied share: 95%
• Sycamore
  • Median home value: $196,700
  • Median year built: 1973
  • Owner-occupied share: 99%
• Ten Broeck
  • Median home value: $694,400
  • Median year built: 1959
  • Owner-occupied share: 100%
• Thornhill
  • Median home value: $433,300
  • Median year built: 1967
  • Owner-occupied share: 99%
• Wellington
  • Median home value: $345,400
  • Median year built: 1946
  • Owner-occupied share: 90%
• Westwood
  • Median home value: $337,800
  • Median year built: 1966
  • Owner-occupied share: 98%
• Wildwood
  • Median home value: $328,700
  • Median year built: 1961
  • Owner-occupied share: 91%

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)