Home Insurance in Meadowview Estates, Kentucky
The median home value in Meadowview Estates is $216,700, 13% lower than the Jefferson County median.
The typical home in Meadowview Estates was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 32% of homes were built before 1960, about 3 points below Jefferson County's 35%.
Housing in Meadowview Estates breaks down to 29% single-family homes and 70% apartments in buildings with 5+ units.
About 61% of owner-occupied homes in Meadowview Estates have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Meadowview Estates are owner-occupied.
In Meadowview Estates, 54% of homes 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.
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 | $216,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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
- Lincolnshire
- Cambridge
- St. Regis Park
- Houston Acres
- Norbourne Estates
- St. Matthews
- Wellington
- Kingsley
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)