Home Insurance in Bern, Kansas
The median home value in Bern is $127,300, 41% lower than the Nemaha County median.
The typical home in Bern was built around 1944. About 62% of homes were built before 1960, about 25 points above Nemaha County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Bern breaks down to 93% single-family homes and 3% mobile or manufactured homes.
In Bern, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bern has an owner-occupancy rate of 88% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bern, 72% of homes are primarily heated with propane.
What's the biggest home insurance risk near Bern? FEMA's National Risk Index points to wildfire (Relatively Low) in Nemaha County and Nemaha County had 5 active NFIP flood policies as of September 2026. See the full Nemaha County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $127,300 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Nemaha County | 5 |
| Home insurance premium | $1,733 - 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)