Home Insurance in Crossgate, Kentucky
Homes in Crossgate carry a median value of $370,800 - 49% higher than the Jefferson County median.
The typical home in Crossgate was built around 1967. About 7% of homes were built before 1960, about 28 points below Jefferson County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Crossgate, the housing stock is 100% single-family homes.
In Crossgate, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Crossgate has an owner-occupancy rate of 100% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Crossgate, 83% of homes are primarily heated with natural gas.
Jefferson County had 3,848 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). 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 | $370,800 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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
- Northfield
- Windy Hills
- Glenview Manor
- Graymoor-Devondale
- Old Brownsboro Place
- Bancroft
- Woodlawn Park
- Hills and Dales
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)