Home Insurance in Sebree, Kentucky
The median home value in Sebree is $106,500, 6% lower than the Webster County median.
The typical home in Sebree was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, in line with Webster County (27%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sebree is 79% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
59% of owner-occupied homes in Sebree carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sebree has an owner-occupancy rate of 61% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Sebree - 54% - are primarily heated with electricity.
Webster County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Webster County had 36 active NFIP flood policies as of September 2026. See the full Webster County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kentucky carries a statewide average premium of $1,525 per year.
Key figures
| Median home value | $106,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Webster County | 36 |
| 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)