Home Insurance in Imperial, Nebraska
The median home value in Imperial is $158,600, close to the Chase County median.
The typical home in Imperial was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 9 points below Chase County's 47%.
In Imperial, the housing stock is 85% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Imperial carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Imperial has an owner-occupancy rate of 85% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Imperial, 67% of homes are primarily heated with natural gas.
Chase County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Chase County had 1 active NFIP flood policy as of September 2026. See the full Chase County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Nebraska carries a statewide average premium of $2,142 per year.
Key figures
| Median home value | $158,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Chase County | 1 |
| 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)