Home Insurance in Anchorage, Kentucky
The median home value in Anchorage is $854,200, 244% higher than the Jefferson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Anchorage was built around 1966. About 45% of homes were built before 1960, about 10 points above Jefferson County's 35%.
The housing stock in Anchorage is 88% single-family homes and 9% apartments in buildings with 5+ units.
66% of owner-occupied homes in Anchorage 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 82% of occupied homes in Anchorage are owner-occupied.
In Anchorage, 66% of homes are primarily heated with natural gas.
Jefferson County had 3,848 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Jefferson 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 | $854,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Jefferson County | 3,848 |
| 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)