Home Insurance in Barbourmeade, Kentucky
Homes in Barbourmeade carry a median value of $384,900 - 55% higher than the Jefferson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Barbourmeade was built around 1965. About 20% of homes were built before 1960, about 15 points below Jefferson County's 35%.
The housing stock in Barbourmeade is 100% single-family homes.
About 55% of owner-occupied homes in Barbourmeade have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 96% of occupied homes in Barbourmeade are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in Barbourmeade are primarily heated with natural gas.
What's the biggest home insurance risk near Barbourmeade? FEMA's National Risk Index points to tornado (Very High) in Jefferson County and 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.
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 | $384,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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
- Spring Valley
- Brownsboro Farm
- Manor Creek
- Goose Creek
- Broeck Pointe
- Murray Hill
- Old Brownsboro Place
- Bancroft
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)