Home Insurance in Murdock, Nebraska
With a median home value of $178,100, Murdock is 30% lower than the Cass County median.
The typical home in Murdock was built around 1953. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 23 points above Cass County's 30%.
Housing in Murdock breaks down to 96% single-family homes.
About 41% of owner-occupied homes in Murdock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Murdock has an owner-occupancy rate of 79% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Murdock - 76% - are primarily heated with natural gas.
Cass County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $178,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)