Louisville, KY

11 ZIP codes — Kentucky

Compare quotes in Louisville, KY

See rates from top carriers

Avg Premium (2025 Est.)

$1,784

+8.0% from 2022

Stress Score

51/100

Nonrenewal Rate

1.31%

Insurance/Income

3.2%

ZIP Codes in Louisville

ZIP	Avg Premium	Stress Score	Risk
40203	$1,795	64	High
40208	$1,872	60	Elevated
40211	$1,665	57	Elevated
40212	$1,571	57	Elevated
40210	$1,578	56	Elevated
40204	$1,936	53	Elevated
40215	$1,328	50	Elevated
40206	$1,816	44	Elevated
40205	$1,916	43	Elevated
40217	$1,359	42	Elevated
40213	$1,345	40	Moderate

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.