Home Insurance in Crestwood, Kentucky
The median home value in Crestwood is $338,200, 14% lower than the Oldham County median.
The typical home in Crestwood was built around 2003. About 7% of homes were built before 1960, in line with Oldham County (8%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Crestwood is 68% single-family homes and 22% apartments in buildings with 5+ units.
72% of owner-occupied homes in Crestwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Crestwood are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Crestwood - 55% - are primarily heated with natural gas.
What's the biggest home insurance risk near Crestwood? FEMA's National Risk Index points to strong wind (Relatively High) in Oldham County and Oldham County had 224 active NFIP flood policies as of September 2026. See the full Oldham 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 | $338,200 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Oldham County | 224 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Nearby towns
- Pewee Valley
- Orchard Grass Hills
- Coldstream
- Worthington Hills
- Fincastle
- Anchorage
- Creekside
- Hickory Hill
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)