Home Insurance in Northfield, Kentucky
With a median home value of $513,300, Northfield is 107% higher than the Jefferson County median.
The typical home in Northfield was built around 1975. About 30% of homes were built before 1960, about 4 points below Jefferson County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Northfield, the housing stock is 57% single-family homes and 43% apartments in buildings with 5+ units.
44% of owner-occupied homes in Northfield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Northfield are owner-occupied.
52% of homes in Northfield are primarily heated with natural gas.
Jefferson County had 3,848 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). 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 | $513,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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
- Glenview Manor
- Crossgate
- Windy Hills
- Hills and Dales
- Old Brownsboro Place
- Graymoor-Devondale
- Glenview
- Riverwood
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)