Home Insurance in Ravenna, Nebraska
With a median home value of $135,900, Ravenna is 45% lower than the Buffalo County median.
The typical home in Ravenna was built around 1950. About 62% of homes were built before 1960, about 38 points above Buffalo County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Ravenna, the housing stock is 87% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
50% of owner-occupied homes in Ravenna carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ravenna has an owner-occupancy rate of 66% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Ravenna - 63% - are primarily heated with natural gas.
FEMA rates Buffalo County's overall risk as Relatively Low, led by hail (Relatively High). Buffalo County had 192 active NFIP flood policies as of September 2026. See the full Buffalo 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 home value | $135,900 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Buffalo County | 192 |
| 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)