Home Insurance in Cass County, Nebraska
With a median home value of $254,900, Cass County is 7% higher than the Nebraska median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cass County was built around 1977. About 30% of homes were built before 1960, about 2 points below Nebraska's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cass County is 90% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 61% of owner-occupied homes in Cass County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cass County has an owner-occupancy rate of 85% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
44% of homes in Cass County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Cass County's top hazards are hail (Relatively Moderate), wildfire (Relatively Low) and tornado (Relatively Low).
As of September 2026, Cass County has 431 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $254,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 431 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alvo
- Avoca
- Cedar Creek
- Eagle
- Elmwood
- Greenwood
- Louisville
- Manley
- Murdock
- Murray
- Nehawka
- Plattsmouth
- South Bend
- Union
- Weeping Water
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)