Home Insurance in Hartington, Nebraska
Homes in Hartington carry a median value of $178,100 - close to the Cedar County median.
The typical home in Hartington was built around 1968. About 37% of homes were built before 1960, about 9 points below Cedar County's 46%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hartington, the housing stock is 89% single-family homes and 9% apartments in buildings with 5+ units.
51% of owner-occupied homes in Hartington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Hartington are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hartington - 58% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hartington? FEMA's National Risk Index points to hail (Relatively Moderate) in Cedar County and 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 | $178,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)