Home Insurance in Sycamore, Kentucky
The median home value in Sycamore is $196,700, 21% lower than the Jefferson County median.
The typical home in Sycamore was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 5% of homes were built before 1960, about 30 points below Jefferson County's 35%.
The housing stock in Sycamore is 95% single-family homes and 5% apartments in buildings with 5+ units.
In Sycamore, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sycamore has an owner-occupancy rate of 99% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Sycamore - 80% - are primarily heated with electricity.
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 | $196,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)