Home Insurance in Arthur, Nebraska
With a median home value of $86,700, Arthur is 53% lower than the Arthur County median.
The typical home in Arthur was built around 1974. About 40% of homes were built before 1960, in line with Arthur County (39%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Arthur is 62% single-family homes and 38% mobile or manufactured homes.
About 19% of owner-occupied homes in Arthur have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Arthur has an owner-occupancy rate of 76% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Arthur, 52% of homes are primarily heated with propane.
FEMA rates Arthur County's overall risk as Very Low, led by wildfire (Very Low). Arthur County has no active NFIP flood policies on file. See the full Arthur 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 | $86,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Wildfire (Very Low) |
| 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)