Home Insurance in Murray Hill, Kentucky
The median home value in Murray Hill is $404,300, 63% higher than the Jefferson County median.
The typical home in Murray Hill was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 5% of homes were built before 1960, about 30 points below Jefferson County's 35%.
In Murray Hill, the housing stock is 57% single-family homes and 43% apartments in buildings with 5+ units.
About 59% of owner-occupied homes in Murray Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Murray Hill are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Murray Hill - 60% - are primarily heated with natural gas.
What's the biggest home insurance risk near Murray Hill? 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.
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 | $404,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 59% |
| 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
- Goose Creek
- Langdon Place
- Broeck Pointe
- Manor Creek
- Plantation
- Ten Broeck
- Rolling Hills
- Barbourmeade
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)