Home Insurance in Brownsboro Farm, Kentucky
With a median home value of $404,900, Brownsboro Farm is 63% higher than the Jefferson County median.
The typical home in Brownsboro Farm was built around 1966. About 3% of homes were built before 1960, about 32 points below Jefferson County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Brownsboro Farm, the housing stock is 100% single-family homes.
About 67% of owner-occupied homes in Brownsboro Farm have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brownsboro Farm has an owner-occupancy rate of 99% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Brownsboro Farm - 80% - are primarily heated with natural gas.
Jefferson County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. 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 | $404,900 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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
- Manor Creek
- Barbourmeade
- Broeck Pointe
- Goose Creek
- Ten Broeck
- Murray Hill
- Spring Valley
- Langdon Place
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)