Home Insurance in Clearwater, Nebraska
With a median home value of $88,000, Clearwater is 32% lower than the Antelope County median.
The typical home in Clearwater was built around 1949. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 55% of homes were built before 1960, about 6 points above Antelope County's 50%.
The housing stock in Clearwater is 93% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
24% of owner-occupied homes in Clearwater carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Clearwater are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Clearwater - 66% - are primarily heated with natural gas.
What's the biggest home insurance risk near Clearwater? FEMA's National Risk Index points to hail (Relatively Moderate) in Antelope County and Antelope County had 19 active NFIP flood policies as of September 2026. See the full Antelope County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $88,000 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Antelope County | 19 |
| 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)