Home Insurance in Manor Creek, Kentucky
With a median home value of $364,200, Manor Creek is 47% higher than the Jefferson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Manor Creek was built around 1967. About 6% of homes were built before 1960, about 29 points below Jefferson County's 35%.
The housing stock in Manor Creek is 99% single-family homes and 1% mobile or manufactured homes.
About 60% of owner-occupied homes in Manor Creek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Manor Creek are owner-occupied.
In Manor Creek, 70% 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.
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 | $364,200 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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
- Broeck Pointe
- Goose Creek
- Brownsboro Farm
- Murray Hill
- Ten Broeck
- Barbourmeade
- Langdon Place
- Plantation
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)