Home Insurance in Oakdale, Nebraska
The median home value in Oakdale is $46,700, 64% lower than the Antelope County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Oakdale was built in 1939 or earlier. About 65% of homes were built before 1960, about 16 points above Antelope County's 50%.
The housing stock in Oakdale is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Oakdale, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Oakdale are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 60% of homes in Oakdale are primarily heated with natural gas.
Antelope County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $46,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)