Home Insurance in Plantation, Kentucky
Homes in Plantation carry a median value of $246,000 - close to the Jefferson County median.
The typical home in Plantation was built around 1963. About 42% of homes were built before 1960, about 7 points above Jefferson County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Plantation breaks down to 88% single-family homes and 6% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Plantation have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Plantation are owner-occupied.
In Plantation, 74% 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 | $246,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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
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)