Home Insurance in Forest Hills, Kentucky
The median home value in Forest Hills is $250,800, close to the Jefferson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Forest Hills was built around 1963. About 46% of homes were built before 1960, about 11 points above Jefferson County's 35%.
In Forest Hills, the housing stock is 85% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 54% of owner-occupied homes in Forest Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Forest Hills has an owner-occupancy rate of 72% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Forest Hills, 74% 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.
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 | $250,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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
- Hurstbourne Acres
- Jeffersontown
- Houston Acres
- Hurstbourne
- Cambridge
- St. Regis Park
- Lincolnshire
- Blue Ridge Manor
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)