Home Insurance in Dunning, Nebraska
The median home value in Dunning is $73,300, 37% lower than the Blaine County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dunning was built around 1956. About 57% of homes were built before 1960, about 9 points above Blaine County's 48%.
In Dunning, the housing stock is 84% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
25% of owner-occupied homes in Dunning carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dunning has an owner-occupancy rate of 68% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
38% of homes in Dunning are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Blaine County's overall risk as Very Low, led by wildfire (Very Low). Blaine County had 1 active NFIP flood policy as of September 2026. See the full Blaine County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $73,300 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Blaine County | 1 |
| 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)