Home Insurance in Coleridge, Nebraska
Homes in Coleridge carry a median value of $87,100 - 53% lower than the Cedar County median.
The typical home in Coleridge was built around 1968. About 31% of homes were built before 1960, about 15 points below Cedar County's 46%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Coleridge breaks down to 74% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 45% of owner-occupied homes in Coleridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Coleridge are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Coleridge, 58% of homes are primarily heated with electricity.
FEMA rates Cedar County's overall risk as Very Low, led by hail (Relatively Moderate). Cedar County had 27 active NFIP flood policies as of September 2026. See the full Cedar 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 | $87,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cedar County | 27 |
| 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)