Home Insurance in Ayr, Nebraska
Homes in Ayr carry a median value of $90,000 - 53% lower than the Adams County median.
The typical home in Ayr was built around 1940. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 65% of homes were built before 1960, about 22 points above Adams County's 44%.
The housing stock in Ayr is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ayr, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ayr has an owner-occupancy rate of 100% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 52% of homes in Ayr are primarily heated with propane.
Adams County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Adams County had 74 active NFIP flood policies as of September 2026. See the full Adams County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Nebraska carries a statewide average premium of $2,142 per year.
Key figures
| Median home value | $90,000 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Adams County | 74 |
| Home insurance premium | $2,142 - 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)