Home Insurance in Tekamah, Nebraska
With a median home value of $129,900, Tekamah is 12% lower than the Burt County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Tekamah was built around 1962. About 48% of homes were built before 1960, about 6 points below Burt County's 54%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tekamah is 83% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 52% of owner-occupied homes in Tekamah have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Tekamah are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Tekamah are primarily heated with natural gas.
Burt County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Burt County had 30 active NFIP flood policies as of September 2026. See the full Burt 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 | $129,900 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Burt County | 30 |
| 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)