Home Insurance in Neligh, Nebraska
The median home value in Neligh is $150,600, 16% higher than the Antelope County median.
The typical home in Neligh was built around 1963. About 47% of homes were built before 1960, about 3 points below Antelope County's 50%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Neligh, the housing stock is 85% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 41% of owner-occupied homes in Neligh have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Neligh are owner-occupied.
Most homes in Neligh - 64% - are primarily heated with natural gas.
What's the biggest home insurance risk near Neligh? 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.
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 | $150,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)