Home Insurance in Hurstbourne Acres, Kentucky
With a median home value of $321,300, Hurstbourne Acres is 29% higher than the Jefferson County median.
The typical home in Hurstbourne Acres was built around 1988. About 20% of homes were built before 1960, about 15 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.
The housing stock in Hurstbourne Acres is 24% single-family homes, 45% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Hurstbourne Acres, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 15% of occupied homes in Hurstbourne Acres are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Hurstbourne Acres are primarily heated with electricity.
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 | $321,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 15% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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
- Forest Hills
- Hurstbourne
- Houston Acres
- Cambridge
- Jeffersontown
- St. Regis Park
- Lincolnshire
- Bellemeade
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)