Home Insurance in Buffalo County, Nebraska
The median home value in Buffalo County is $246,400, close to the Nebraska median.
The typical home in Buffalo County was built around 1980. About 24% of homes were built before 1960, about 8 points below Nebraska's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Buffalo County is 72% single-family homes, 15% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Buffalo County, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Buffalo County has an owner-occupancy rate of 66% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Buffalo County, 52% of homes are primarily heated with natural gas.
The top hazards for Buffalo County, per FEMA's National Risk Index, are hail (Relatively High), strong wind (Relatively High) and wildfire (Relatively Low).
As of September 2026, Buffalo County has 192 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $246,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 192 |
| 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)