Home Insurance in Box Butte County, Nebraska
The median home value in Box Butte County is $166,600, 30% lower than the Nebraska median.
The typical home in Box Butte County was built around 1965. About 44% of homes were built before 1960, about 12 points above Nebraska's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Box Butte County, the housing stock is 77% single-family homes, 8% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Box Butte County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Box Butte County has an owner-occupancy rate of 77% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
69% of homes in Box Butte County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Moderate), winter weather (Relatively Moderate) and wildfire (Very Low) as the leading hazards for Box Butte County.
As of September 2026, Box Butte County has 5 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $166,600 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 5 |
| 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)