Home Insurance in Manley, Nebraska
Homes in Manley carry a median value of $162,500 - 36% lower than the Cass County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Manley was built around 1966. About 44% of homes were built before 1960, about 14 points above Cass County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Manley is 97% single-family homes and 3% mobile or manufactured homes.
In Manley, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Manley are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Manley - 59% - are primarily heated with natural gas.
What's the biggest home insurance risk near Manley? 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 | $162,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)