Home Insurance in St. Matthews, Kentucky
The median home value in St. Matthews is $338,000, 36% higher than the Jefferson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in St. Matthews was built around 1969. About 41% of homes were built before 1960, about 7 points above Jefferson County's 35%.
Housing in St. Matthews breaks down to 53% single-family homes and 34% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In St. Matthews, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 53% of occupied homes in St. Matthews are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In St. Matthews, 52% 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 | $338,000 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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
- Richlawn
- Norbourne Estates
- Beechwood Village
- Woodlawn Park
- Bellewood
- Maryhill Estates
- Norwood
- 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)