Home Insurance in Johnstown, Nebraska
The typical home in Johnstown was built around 1972. About 26% of homes were built before 1960, about 25 points below Brown County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Johnstown is 57% single-family homes and 43% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Johnstown, about 100% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Johnstown has an owner-occupancy rate of 12% and a vacancy rate of 65%; unoccupied homes typically need a different coverage form.
88% of homes in Johnstown are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Johnstown? FEMA's National Risk Index points to hail (Relatively Low) in Brown County and 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.
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 year built | 1972 |
|---|---|
| Owner-occupied share | 12% |
| Share of owner-occupied homes with a mortgage | 100% |
| 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)