Home Insurance in Riverwood, Kentucky
The median home value in Riverwood is $671,200, 170% higher than the Jefferson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Riverwood was built around 1968. About 10% of homes were built before 1960, about 25 points below Jefferson County's 35%.
In Riverwood, the housing stock is 100% single-family homes.
58% of owner-occupied homes in Riverwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Riverwood has an owner-occupancy rate of 99% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Riverwood - 86% - are primarily heated with natural gas.
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.
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 | $671,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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
- Indian Hills
- Rolling Fields
- Maryhill Estates
- Mockingbird Valley
- Glenview
- Northfield
- Brownsboro Village
- Windy Hills
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)