Home Insurance in Butte, Nebraska
Homes in Butte carry a median value of $67,100 - 35% lower than the Boyd County median.
The typical home in Butte was built around 1952. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 60% of homes were built before 1960, about 1 point above Boyd County's 59%.
In Butte, the housing stock is 89% single-family homes, 4% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Butte carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Butte has an owner-occupancy rate of 85% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 37% of homes in Butte are primarily heated with electricity.
Boyd County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Very Low). See the full Boyd 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 | $67,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Boyd County | 11 |
| 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)