Home Insurance in Kingsley, Kentucky
With a median home value of $359,500, Kingsley is 45% higher than the Jefferson County median.
The typical home in Kingsley was built around 1941. About 92% of homes were built before 1960, about 58 points above Jefferson County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Kingsley breaks down to 99% single-family homes.
68% of owner-occupied homes in Kingsley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kingsley has an owner-occupancy rate of 92% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Kingsley, 91% of homes 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 | $359,500 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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
- Strathmoor Village
- Wellington
- Seneca Gardens
- Strathmoor Manor
- Watterson Park
- West Buechel
- Meadowview Estates
- Norbourne 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)