Home Insurance in Cedar Creek, Nebraska
With a median home value of $391,100, Cedar Creek is 53% higher than the Cass County median.
The typical home in Cedar Creek was built around 1978. About 7% of homes were built before 1960, about 23 points below Cass County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Cedar Creek breaks down to 99% single-family homes.
About 66% of owner-occupied homes in Cedar Creek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 56%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Cedar Creek are owner-occupied.
Most homes in Cedar Creek - 52% - 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.
FEMA rates Cass County's overall risk as Very Low, led by hail (Relatively Moderate). Cass County had 431 active NFIP flood policies as of September 2026. See the full Cass County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $391,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cass County | 431 |
| 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)