Home Insurance in Roseland, Nebraska
The median home value in Roseland is $150,000, 22% lower than the Adams County median.
The typical home in Roseland was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 10 points below Adams County's 44%.
In Roseland, the housing stock is 97% single-family homes and 3% mobile or manufactured homes.
In Roseland, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 89% of occupied homes in Roseland are owner-occupied.
In Roseland, 70% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Roseland? FEMA's National Risk Index points to hail (Relatively High) in Adams County and 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 | $150,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)