ZIP 40165 Insurance Data

Data Snapshot: ZIP 40165 (Shepherdsville, KY)

ZIP 40165 (Shepherdsville, KY) shows an average homeowners insurance premium of $1,503 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 87 reported policies. That is 15% below the national average of $1,776 per year, placing this ZIP in the 46th percentile nationally. Compared to the Kentucky state average of $1,557, this ZIP runs 3% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 40165 is 57.6%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 7.81%, and the average claim severity (amount paid per claim) is $11,081. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.56% in this ZIP, a drop of 32.0% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 40165 have fallen by 4.8%, ranging from $1,503 to $1,579 with a five-year average of $1,527 — an annualized rate of -1.2% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.