Home Insurance in Webster County, Kentucky
With a median home value of $112,900, Webster County is 45% lower than the Kentucky median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Webster County was built around 1977. About 27% of homes were built before 1960, about 5 points above Kentucky's 22%.
In Webster County, the housing stock is 76% single-family homes, 4% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Webster County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Webster County has an owner-occupancy rate of 74% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Webster County - 50% - 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.
The top hazards for Webster County, per FEMA's National Risk Index, are earthquake (Relatively Low), strong wind (Relatively Moderate) and hail (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Webster County has 36 active NFIP flood policies on file.
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 | $112,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 36 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)