Home Insurance in Goshen, Kentucky
With a median home value of $307,200, Goshen is 22% lower than the Oldham 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 Goshen was built around 1979. About 7% of homes were built before 1960, in line with Oldham County (8%).
Housing in Goshen breaks down to 100% single-family homes.
In Goshen, about 86% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Goshen has an owner-occupancy rate of 87% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
64% of homes in Goshen are primarily heated with electricity.
Oldham County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
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 | $307,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 86% |
| 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
- River Bluff
- Prospect
- Green Spring
- Orchard Grass Hills
- Coldstream
- Brownsboro Farm
- Fincastle
- Crestwood
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)