Home Insurance in Blaine County, Nebraska
The median home value in Blaine County is $116,900, 51% lower than the Nebraska median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Blaine County was built around 1962. About 48% of homes were built before 1960, about 16 points above Nebraska's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Blaine County is 80% single-family homes and 20% mobile or manufactured homes.
41% of owner-occupied homes in Blaine County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Blaine County has an owner-occupancy rate of 74% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Most homes in Blaine County - 58% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Very Low), hail (Relatively Low) and winter weather (Very Low) as the leading hazards for Blaine County.
Blaine County had 1 active National Flood Insurance Program policy as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $116,900 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Hail (Relatively Low), Winter Weather (Very Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)