Home Insurance in Middletown, Kentucky
Homes in Middletown carry a median value of $336,000 - 35% higher than the Jefferson County median.
The typical home in Middletown was built around 1997. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 25 points below Jefferson County's 35%.
Housing in Middletown breaks down to 57% single-family homes and 38% apartments in buildings with 5+ units.
59% of owner-occupied homes in Middletown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Middletown are owner-occupied.
53% of homes in Middletown are primarily heated with electricity.
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 | $336,000 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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
- Woodland Hills
- Anchorage
- Sycamore
- Blue Ridge Manor
- Wildwood
- Jeffersontown
- Meadowbrook Farm
- Hurstbourne
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)