Home Insurance in La Grange, Kentucky
Homes in La Grange carry a median value of $283,200 - 28% lower than the Oldham County median.
The typical home in La Grange was built around 1998. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 6 points above Oldham County's 8%.
The housing stock in La Grange is 80% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In La Grange, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in La Grange are owner-occupied.
In La Grange, 52% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near La Grange? 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.
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 | $283,200 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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
- Crestwood
- Smithfield
- Pewee Valley
- Orchard Grass Hills
- Coldstream
- Worthington Hills
- Fincastle
- Eminence
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)