Home Insurance in Petersburg, Nebraska
The median home value in Petersburg is $152,300, 12% lower than the Boone County median.
The typical home in Petersburg was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 4 points below Boone County's 52%.
The housing stock in Petersburg is 96% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Petersburg, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Petersburg has an owner-occupancy rate of 89% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Petersburg, 73% of homes are primarily heated with natural gas.
Boone County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Boone County had 18 active NFIP flood policies as of September 2026. See the full Boone County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $152,300 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Boone County | 18 |
| 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)