Home Insurance in Houston Acres, Kentucky
Homes in Houston Acres carry a median value of $253,700 - close to the Jefferson County median.
The typical home in Houston Acres was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 80% of homes were built before 1960, about 45 points above Jefferson County's 35%.
Housing in Houston Acres breaks down to 99% single-family homes and 1% mobile or manufactured homes.
70% of owner-occupied homes in Houston Acres carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 90% of occupied homes in Houston Acres are owner-occupied.
81% of homes in Houston Acres 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.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $253,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 90% |
| 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
- Cambridge
- Lincolnshire
- St. Regis Park
- Meadowview Estates
- Hurstbourne Acres
- Forest Hills
- Hurstbourne
- Jeffersontown
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)