Home Insurance in Green Spring, Kentucky
With a median home value of $457,800, Green Spring is 84% higher than the Jefferson County median.
The typical home in Green Spring was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 1% of homes were built before 1960, about 34 points below Jefferson County's 35%.
In Green Spring, the housing stock is 100% single-family homes.
In Green Spring, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Green Spring has an owner-occupancy rate of 83% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
82% of homes in Green Spring are primarily heated with natural gas.
Jefferson County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. 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 | $457,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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
- Hills and Dales
- Spring Valley
- Barbourmeade
- Brownsboro Farm
- Old Brownsboro Place
- Manor Creek
- Glenview Manor
- Goose Creek
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)