Home Insurance in Fairfield, Kentucky
The typical home in Fairfield was built around 1973. About 25% of homes were built before 1960, about 12 points above Nelson County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fairfield is 38% single-family homes and 61% mobile or manufactured homes.
In Fairfield, about 8% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 97% of occupied homes in Fairfield are owner-occupied.
Most homes in Fairfield - 80% - are primarily heated with propane. Homes heated with propane 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 Fairfield? FEMA's National Risk Index points to strong wind (Relatively High) in Nelson County and Nelson County had 60 active NFIP flood policies as of September 2026. See the full Nelson 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 year built | 1973 |
|---|---|
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Nelson County | 60 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Nearby towns
- Bloomfield
- Taylorsville
- Bardstown
- Mount Washington
- Heritage Creek
- Willisburg
- Hebron Estates
- Shepherdsville
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)