Home Insurance in Butler County, Nebraska
The median home value in Butler County is $184,200, 23% lower than the Nebraska median.
The typical home in Butler County was built around 1968. About 43% of homes were built before 1960, about 11 points above Nebraska's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Butler County is 85% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Butler County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Butler County has an owner-occupancy rate of 80% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
39% of homes in Butler County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Butler County, per FEMA's National Risk Index, are hail (Relatively Moderate), strong wind (Relatively Moderate) and wildfire (Relatively Low).
Butler County had 27 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $184,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 27 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
- Abie
- Bellwood
- Brainard
- Bruno
- David City
- Dwight
- Garrison
- Linwood
- Octavia
- Rising City
- Surprise
- Ulysses
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)