Home Insurance in Audubon Park, Kentucky
Homes in Audubon Park carry a median value of $362,700 - 46% higher than the Jefferson County median.
The typical home in Audubon Park was built around 1944. About 86% of homes were built before 1960, about 51 points above Jefferson County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Audubon Park breaks down to 74% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Audubon Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Audubon Park has an owner-occupancy rate of 74% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
73% of homes in Audubon Park are primarily heated with natural gas.
FEMA rates Jefferson County's overall risk as Relatively High, led by tornado (Very High). Jefferson County had 3,848 active NFIP flood policies as of September 2026. 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 | $362,700 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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
- Parkway Village
- Lynnview
- Watterson Park
- Strathmoor Manor
- Poplar Hills
- Strathmoor Village
- Kingsley
- Seneca Gardens
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)