Home Insurance in Kenesaw, Nebraska
The median home value in Kenesaw is $177,600, 8% lower than the Adams County median.
The typical home in Kenesaw was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 5 points above Adams County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kenesaw is 96% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Kenesaw, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Kenesaw are owner-occupied.
79% of homes in Kenesaw are primarily heated with natural gas.
FEMA rates Adams County's overall risk as Relatively Low, led by hail (Relatively High). 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.
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 | $177,600 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)