Home Insurance in Ainsworth, Nebraska
The median home value in Ainsworth is $107,400, 6% lower than the Brown County median.
The typical home in Ainsworth was built around 1962. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 47% of homes were built before 1960, about 3 points below Brown County's 51%.
In Ainsworth, the housing stock is 80% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Ainsworth, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ainsworth has an owner-occupancy rate of 71% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Ainsworth, 57% of homes are primarily heated with natural gas.
FEMA rates Brown County's overall risk as Very Low, led by hail (Relatively Low). Brown County has no active NFIP flood policies on file. See the full Brown 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 | $107,400 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively Low) |
| 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)