Home Insurance in Wheatcroft, Kentucky
With a median home value of $81,500, Wheatcroft is 28% lower than the Webster County median.
The typical home in Wheatcroft was built around 1981. About 35% of homes were built before 1960, about 8 points above Webster County's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Wheatcroft is 100% single-family homes.
About 32% of owner-occupied homes in Wheatcroft have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Wheatcroft are owner-occupied.
80% of homes in Wheatcroft are primarily heated with natural gas.
What's the biggest home insurance risk near Wheatcroft? FEMA's National Risk Index points to earthquake (Relatively Low) in Webster County and 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.
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 | $81,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)