Home Insurance in Orchard Grass Hills, Kentucky
With a median home value of $301,500, Orchard Grass Hills is 23% lower than the Oldham County median.
The typical home in Orchard Grass Hills was built around 1982. About 0% of homes were built before 1960, about 8 points below Oldham County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Orchard Grass Hills breaks down to 100% single-family homes.
81% of owner-occupied homes in Orchard Grass Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Orchard Grass Hills 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 Orchard Grass Hills - 55% - 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.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $301,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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
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)