Home Insurance in Boone County, Nebraska
With a median home value of $173,700, Boone County is 27% lower than the Nebraska median.
The typical home in Boone County was built around 1957. About 52% of homes were built before 1960, about 20 points above Nebraska's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Boone County, the housing stock is 91% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
45% of owner-occupied homes in Boone County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Boone County has an owner-occupancy rate of 82% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Boone County are primarily heated with electricity.
FEMA's National Risk Index lists hail (Relatively High), strong wind (Relatively Moderate) and winter weather (Relatively Moderate) as the leading hazards for Boone County.
Boone County had 18 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $173,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 18 |
| 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)