Home Insurance in Taylorsville, Kentucky
Homes in Taylorsville carry a median value of $164,200 - 50% lower than the Spencer County median.
The typical home in Taylorsville was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 28 points above Spencer County's 10%.
The housing stock in Taylorsville is 51% single-family homes, 31% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 71% of owner-occupied homes in Taylorsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 26% of occupied homes in Taylorsville are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Taylorsville, 77% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Spencer County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. Spencer County had 29 active NFIP flood policies as of September 2026. See the full Spencer 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 | $164,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 26% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Spencer County | 29 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Nearby towns
- Fairfield
- Bloomfield
- Mount Washington
- Simpsonville
- Shelbyville
- Heritage Creek
- Bardstown
- Jeffersontown
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)