Home Insurance in Brownsboro Village, Kentucky
Homes in Brownsboro Village carry a median value of $365,100 - 47% higher than the Jefferson County median.
The typical home in Brownsboro Village was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 71% of homes were built before 1960, about 36 points above Jefferson County's 35%.
In Brownsboro Village, the housing stock is 84% single-family homes. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in Brownsboro Village carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Brownsboro Village are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Brownsboro Village - 82% - 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.
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 | $365,100 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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
- Bellewood
- Rolling Fields
- Maryhill Estates
- Mockingbird Valley
- Riverwood
- Richlawn
- Norbourne Estates
- Windy Hills
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)