Home Insurance in Juniata, Nebraska
With a median home value of $143,300, Juniata is 26% lower than the Adams County median.
The typical home in Juniata was built around 1979. About 22% of homes were built before 1960, about 21 points below Adams County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Juniata is 87% single-family homes, 4% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 40% of owner-occupied homes in Juniata have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Juniata has an owner-occupancy rate of 82% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Juniata - 75% - 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.
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 | $143,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)