Home Insurance in Lyndon, Kentucky
The median home value in Lyndon is $276,800, 11% higher than the Jefferson County median.
The typical home in Lyndon was built around 1984. About 16% of homes were built before 1960, about 19 points below Jefferson County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Lyndon breaks down to 51% single-family homes and 38% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Lyndon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lyndon has an owner-occupancy rate of 44% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Lyndon - 52% - are primarily heated with electricity.
What's the biggest home insurance risk near Lyndon? FEMA's National Risk Index points to tornado (Very High) in Jefferson County and 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 | $276,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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
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)