Home Insurance in Woodlawn Park, Kentucky
The median home value in Woodlawn Park is $323,700, 30% higher than the Jefferson County median.
The typical home in Woodlawn Park was built around 1959. About 54% of homes were built before 1960, about 19 points above Jefferson County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Woodlawn Park, the housing stock is 98% single-family homes and 2% apartments in buildings with 5+ units.
About 62% of owner-occupied homes in Woodlawn Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Woodlawn Park has an owner-occupancy rate of 86% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Woodlawn Park - 64% - are primarily heated with natural gas.
FEMA rates Jefferson County's overall risk as Relatively High, led by tornado (Very High). 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 | $323,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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
- Beechwood Village
- Richlawn
- Windy Hills
- St. Matthews
- Graymoor-Devondale
- Crossgate
- Norwood
- Maryhill 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)