Home Insurance in Shively, Kentucky
Homes in Shively carry a median value of $154,700 - 38% lower than the Jefferson County median.
The typical home in Shively was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 57% of homes were built before 1960, about 22 points above Jefferson County's 35%.
Housing in Shively breaks down to 70% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
71% of owner-occupied homes in Shively carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Shively are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Shively, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Shively? 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 | $154,700 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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
- Parkway Village
- Audubon Park
- Lynnview
- Poplar Hills
- Watterson Park
- Strathmoor Manor
- Strathmoor Village
- South Park View
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)