Home Insurance in Ten Broeck, Kentucky
Homes in Ten Broeck carry a median value of $694,400 - 180% higher than the Jefferson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ten Broeck was built around 1959. About 56% of homes were built before 1960, about 21 points above Jefferson County's 35%.
Housing in Ten Broeck breaks down to 100% single-family homes.
About 32% of owner-occupied homes in Ten Broeck have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Ten Broeck are owner-occupied.
In Ten Broeck, 62% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Ten Broeck? 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 | $694,400 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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
- Broeck Pointe
- Manor Creek
- Creekside
- Goose Creek
- Murray Hill
- Langdon Place
- Hickory Hill
- Brownsboro Farm
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)