Home Insurance in Hastings, Nebraska
Homes in Hastings carry a median value of $184,700 - close to the Adams County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hastings was built around 1964. About 46% of homes were built before 1960, about 2 points above Adams County's 44%.
In Hastings, the housing stock is 72% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hastings, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Hastings are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
64% of homes in Hastings are primarily heated with natural gas.
Adams County had 74 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Adams County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $184,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)