Home Insurance in Strathmoor Village, Kentucky
With a median home value of $384,900, Strathmoor Village is 55% higher than the Jefferson County median.
The median home in Strathmoor Village was built in 1939 or earlier. About 90% of homes were built before 1960, about 55 points above Jefferson County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Strathmoor Village breaks down to 97% single-family homes.
In Strathmoor Village, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Strathmoor Village are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Strathmoor Village - 85% - are primarily heated with natural gas.
What's the biggest home insurance risk near Strathmoor Village? 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.
The statewide average premium for a standard HO-3 homeowners policy in Kentucky is $1,525 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $384,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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
- Kingsley
- Strathmoor Manor
- Wellington
- Seneca Gardens
- Watterson Park
- West Buechel
- Meadowview Estates
- Norbourne Estates
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)