Home Insurance in Louisville, Nebraska
With a median home value of $205,600, Louisville is 19% lower than the Cass County median.
The typical home in Louisville was built around 1955. About 54% of homes were built before 1960, about 24 points above Cass County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Louisville is 93% single-family homes and 6% apartments in buildings with 5+ units.
About 70% of owner-occupied homes in Louisville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Louisville are owner-occupied.
82% of homes in Louisville are primarily heated with natural gas.
What's the biggest home insurance risk near Louisville? FEMA's National Risk Index points to hail (Relatively Moderate) in Cass County and 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.
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 | $205,600 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)