Home Insurance in Fincastle, Kentucky
The median home value in Fincastle is $263,700, 6% higher than the Jefferson County median.
The typical home in Fincastle was built around 1977. About 1% of homes were built before 1960, about 34 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.
Housing in Fincastle breaks down to 99% single-family homes and 1% mobile or manufactured homes.
About 70% of owner-occupied homes in Fincastle have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 96% of occupied homes in Fincastle are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Fincastle are primarily heated with natural gas.
What's the biggest home insurance risk near Fincastle? 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 | $263,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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
- Worthington Hills
- Coldstream
- Orchard Grass Hills
- Creekside
- Hickory Hill
- Ten Broeck
- Meadow Vale
- Broeck Pointe
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)