Home Insurance in Creekside, Kentucky
The median home value in Creekside is $320,300, 29% 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 Creekside was built around 1971. About 1% of homes were built before 1960, about 33 points below Jefferson County's 35%.
In Creekside, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
About 49% of owner-occupied homes in Creekside have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 99% of occupied homes in Creekside are owner-occupied.
79% of homes in Creekside 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kentucky carries a statewide average premium of $1,525 per year.
Key figures
| Median home value | $320,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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
- Hickory Hill
- Meadow Vale
- Ten Broeck
- Rolling Hills
- Broeck Pointe
- Langdon Place
- Meadowbrook Farm
- Murray Hill
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)