Home Insurance in Randolph, Nebraska
With a median home value of $119,000, Randolph is 36% lower than the Cedar County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Randolph was built around 1952. About 58% of homes were built before 1960, about 12 points above Cedar County's 46%.
Housing in Randolph breaks down to 92% single-family homes and 2% mobile or manufactured homes.
35% of owner-occupied homes in Randolph carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Randolph 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. Most homes in Randolph - 78% - are primarily heated with natural gas.
What's the biggest home insurance risk near Randolph? 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 | $119,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)