Home Insurance in Windy Hills, Kentucky
Homes in Windy Hills carry a median value of $402,000 - 62% higher than the Jefferson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Windy Hills was built around 1970. About 38% of homes were built before 1960, about 3 points above Jefferson County's 35%.
The housing stock in Windy Hills is 85% single-family homes and 13% apartments in buildings with 5+ units.
49% of owner-occupied homes in Windy Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Windy Hills are owner-occupied.
In Windy Hills, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Windy Hills? 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.
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 | $402,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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
- Crossgate
- Maryhill Estates
- Woodlawn Park
- Northfield
- Beechwood Village
- Richlawn
- Graymoor-Devondale
- Bellewood
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)