Home Insurance in Rolling Hills, Kentucky
Homes in Rolling Hills carry a median value of $275,300 - 11% higher than the Jefferson County median.
The typical home in Rolling Hills was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 3% of homes were built before 1960, about 32 points below Jefferson County's 35%.
Housing in Rolling Hills breaks down to 77% single-family homes and 17% apartments in buildings with 5+ units.
In Rolling Hills, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rolling Hills has an owner-occupancy rate of 74% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Rolling Hills, 78% 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.
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 | $275,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 74% |
| 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
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)