Home Insurance in Ulysses, Nebraska
Homes in Ulysses carry a median value of $36,300 - 80% lower than the Butler County median.
The median home in Ulysses was built in 1939 or earlier. About 78% of homes were built before 1960, about 35 points above Butler County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ulysses is 90% single-family homes and 10% mobile or manufactured homes.
43% of owner-occupied homes in Ulysses carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ulysses has an owner-occupancy rate of 91% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 87% of homes in Ulysses are primarily heated with natural gas.
FEMA rates Butler County's overall risk as Very Low, led by hail (Relatively Moderate). Butler County had 27 active NFIP flood policies as of September 2026. See the full Butler 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 | $36,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Butler County | 27 |
| 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)