Home Insurance in Graymoor-Devondale, Kentucky
With a median home value of $338,000, Graymoor-Devondale is 36% higher than the Jefferson County median.
The typical home in Graymoor-Devondale was built around 1966. About 29% of homes were built before 1960, about 6 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.
In Graymoor-Devondale, the housing stock is 84% single-family homes and 8% apartments in buildings with 5+ units.
58% of owner-occupied homes in Graymoor-Devondale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Graymoor-Devondale has an owner-occupancy rate of 75% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Graymoor-Devondale - 68% - 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 | $338,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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
- Crossgate
- Bancroft
- Woodlawn Park
- Old Brownsboro Place
- Windy Hills
- Beechwood Village
- Briarwood
- Northfield
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)