Home Insurance in Simpsonville, Kentucky
Homes in Simpsonville carry a median value of $270,800 - 11% lower than the Shelby County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Simpsonville was built around 2001. About 8% of homes were built before 1960, about 8 points below Shelby County's 16%.
In Simpsonville, the housing stock is 86% single-family homes and 7% apartments in buildings with 5+ units.
In Simpsonville, about 82% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Simpsonville are owner-occupied.
60% of homes in Simpsonville are primarily heated with natural gas.
Shelby County had 40 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Shelby 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 | $270,800 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)