Home Insurance in Hollow Creek, Kentucky
Homes in Hollow Creek carry a median value of $269,500 - 8% higher than the Jefferson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hollow Creek was built around 1967. About 3% of homes were built before 1960, about 32 points below Jefferson County's 35%.
The housing stock in Hollow Creek is 100% single-family homes.
About 66% of owner-occupied homes in Hollow Creek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Hollow Creek are owner-occupied.
83% of homes in Hollow Creek are primarily heated with natural gas.
FEMA rates Jefferson County's overall risk as Relatively High, led by tornado (Very High). 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 | $269,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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
- West Buechel
- Poplar Hills
- Watterson Park
- Houston Acres
- Heritage Creek
- Jeffersontown
- Cambridge
- Meadowview Estates
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)