Home Insurance in Royal, Nebraska
With a median home value of $60,000, Royal is 54% lower than the Antelope County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Royal was built in 1939 or earlier. About 87% of homes were built before 1960, about 37 points above Antelope County's 50%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Royal is 83% single-family homes and 17% mobile or manufactured homes.
About 17% of owner-occupied homes in Royal have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Royal are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Royal - 72% - are primarily heated with propane.
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 | $60,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)