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Home insurance costs & natural hazards in Nebraska

Plain facts for Nebraska homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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Nebraska at a glance

Four numbers most homeowners ask about first.

$2,434
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$1,018
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

2.30%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

1 of 93
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

Nebraska in numbers
2.0M
residents (2020 Census)
7.5%
of policies had a paid claim (2022, median ZIP)
$13,427
average paid claim (2022, median ZIP)
5,545
single-family NFIP flood policies (2025)

What homeowners in Nebraska pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical Nebraska ZIP code saw homeowners premiums of $2,434 per policy in 2022, 57% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 11% between 2018 and 2022. The figures come from 288 Nebraska ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
NebraskaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 5,545 single-family NFIP policies took effect in Nebraska in 2025, at an average full cost of $1,018, compared with $925 in 2022. About 79% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

5,545 policies
A zones 79%X/B/C zones 21%V zones 0%Other/unrated 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of Nebraska's 93 counties FEMA rates relatively high or very high for each hazard. The most widespread are hail, strong wind and drought. Open any county for its full hazard profile.

How the ratings work

Hazards across Nebraska's counties

Counties FEMA rates relatively high or very high

Nebraska counties

All 93 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

Typical home premium by county, 2022

Tap a county to open its page. White = not enough data.
Adams County: $2,384Antelope County: $2,134Arthur County: no dataBanner County: no dataBlaine County: no dataBoone County: $2,295Box Butte County: $2,452Boyd County: $1,843Brown County: $2,023Buffalo County: $2,517Burt County: $2,313Butler County: $2,209Cass County: $2,550Cedar County: $2,280Chase County: $2,394Cherry County: $2,158Cheyenne County: $2,326Clay County: $2,583Colfax County: $2,298Cuming County: $2,407Custer County: $2,302Dakota County: $2,507Dawes County: $2,073Dawson County: $2,311Deuel County: $2,298Dixon County: $2,264Dodge County: $2,539Douglas County: $2,659Dundy County: $2,330Fillmore County: $2,389Franklin County: $2,622Frontier County: $2,406Furnas County: $2,166Gage County: $2,446Garden County: $1,999Garfield County: $1,977Gosper County: $2,598Grant County: no dataGreeley County: no dataHall County: $2,660Hamilton County: $2,692Harlan County: $2,039Hayes County: $2,181Hitchcock County: $2,041Holt County: $2,134Hooker County: $1,977Howard County: $2,538Jefferson County: $2,212Johnson County: $2,263Kearney County: $2,444Keith County: $2,234Keya Paha County: no dataKimball County: $2,423Knox County: $2,051Lancaster County: $2,486Lincoln County: $2,461Logan County: no dataLoup County: no dataMcPherson County: no dataMadison County: $2,414Merrick County: $2,445Morrill County: $2,364Nance County: $2,190Nemaha County: $2,354Nuckolls County: $2,196Otoe County: $2,365Pawnee County: $2,236Perkins County: $2,391Phelps County: $2,618Pierce County: $2,294Platte County: $2,654Polk County: $2,247Red Willow County: $2,354Richardson County: $2,304Rock County: $2,029Saline County: $2,444Sarpy County: $2,592Saunders County: $2,661Scotts Bluff County: $2,488Seward County: $2,420Sheridan County: $2,068Sherman County: $1,980Sioux County: $2,464Stanton County: $2,865Thayer County: $2,412Thomas County: no dataThurston County: $2,282Valley County: $2,088Washington County: $3,010Wayne County: $2,271Webster County: $2,230Wheeler County: no dataYork County: $2,406
under $2,166$2,166–$2,295$2,295–$2,406$2,406–$2,507$2,507+
CountyPremiumFloodFEMA rating
Adams County$2,384$805Relatively Low
Antelope County$2,134$962Very Low
Arthur County——Very Low
Banner County——Very Low
Blaine County——Very Low
Boone County$2,295$987Relatively Low
Box Butte County$2,452—Very Low
Boyd County$1,843—Very Low
Brown County$2,023—Very Low
Buffalo County$2,517$1,166Relatively Low
Burt County$2,313$1,076Very Low
Butler County$2,209$1,329Very Low
Cass County$2,550$1,231Very Low
Cedar County$2,280$1,364Very Low
Chase County$2,394—Very Low
Cherry County$2,158—Very Low
Cheyenne County$2,326—Very Low
Clay County$2,583—Relatively Low
Colfax County$2,298$1,004Very Low
Cuming County$2,407$1,244Relatively Low
Custer County$2,302$1,091Very Low
Dakota County$2,507$1,290Very Low
Dawes County$2,073$872Very Low
Dawson County$2,311$809Relatively Low
Deuel County$2,298—Very Low
Dixon County$2,264—Very Low
Dodge County$2,539$1,022Relatively Low
Douglas County$2,659$952Relatively High
Dundy County$2,330—Very Low
Fillmore County$2,389—Very Low
Franklin County$2,622—Very Low
Frontier County$2,406—Very Low
Furnas County$2,166—Relatively Low
Gage County$2,446$1,191Very Low
Garden County$1,999$789Very Low
Garfield County$1,977—Very Low
Gosper County$2,598—Very Low
Grant County——Very Low
Greeley County——Very Low
Hall County$2,660$1,042Relatively Low
Hamilton County$2,692$1,349Very Low
Harlan County$2,039—Very Low
Hayes County$2,181—Very Low
Hitchcock County$2,041—Very Low
Holt County$2,134—Very Low
Hooker County$1,977—Very Low
Howard County$2,538$1,134Very Low
Jefferson County$2,212—Very Low
Johnson County$2,263$880Very Low
Kearney County$2,444$906Very Low
Keith County$2,234$1,079Very Low
Keya Paha County——Very Low
Kimball County$2,423—Very Low
Knox County$2,051$1,448Very Low
Lancaster County$2,486$791Relatively Moderate
Lincoln County$2,461$771Relatively Low
Logan County——Very Low
Loup County——Very Low
Madison County$2,414$1,266Relatively Low
McPherson County——Very Low
Merrick County$2,445$1,206Relatively Low
Morrill County$2,364—Very Low
Nance County$2,190—Very Low
Nemaha County$2,354—Very Low
Nuckolls County$2,196—Very Low
Otoe County$2,365$1,219Very Low
Pawnee County$2,236—Very Low
Perkins County$2,391—Very Low
Phelps County$2,618—Very Low
Pierce County$2,294$1,384Very Low
Platte County$2,654$1,134Relatively Low
Polk County$2,247$1,676Very Low
Red Willow County$2,354$1,055Very Low
Richardson County$2,304$1,386Very Low
Rock County$2,029—Very Low
Saline County$2,444$1,102Very Low
Sarpy County$2,592$1,074Relatively Moderate
Saunders County$2,661$949Very Low
Scotts Bluff County$2,488$812Relatively Low
Seward County$2,420$1,316Very Low
Sheridan County$2,068—Very Low
Sherman County$1,980—Very Low
Sioux County$2,464—Very Low
Stanton County$2,865$1,039Very Low
Thayer County$2,412$1,764Very Low
Thomas County——Very Low
Thurston County$2,282—Very Low
Valley County$2,088—Very Low
Washington County$3,010$1,492Very Low
Wayne County$2,271—Very Low
Webster County$2,230—Relatively Low
Wheeler County——Very Low
York County$2,406$1,151Relatively Low

ZIP codes with the most flood policies

68025 Fremont68064 Valley68661 Schuyler68504 Lincoln68003 Ashland68649 North Bend68069 Waterloo68123 Bellevue68508 Lincoln68601 Columbus68016 Cedar Creek68455 Union

Practical next steps

Simple things Nebraska homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Look at your roof. Hail and wind claims often come down to the roof. Impact-resistant (Class 4) shingles can earn discounts in some states, and knowing your roof's age helps when you compare policies.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.