Home Insurance in Shelbyville, Kentucky
With a median home value of $257,100, Shelbyville is 16% lower than the Shelby County median.
The typical home in Shelbyville was built around 1995. About 17% of homes were built before 1960, in line with Shelby County (16%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Shelbyville is 71% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
77% of owner-occupied homes in Shelbyville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Shelbyville has an owner-occupancy rate of 56% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Shelbyville - 51% - are primarily heated with natural gas.
Shelby County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Shelby County had 40 active NFIP flood policies as of September 2026. See the full Shelby 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 | $257,100 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Shelby County | 40 |
| 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)