Home Insurance in Lamar, Nebraska
The housing stock in Lamar is 100% single-family homes.
Almost no owner-occupied homes in Lamar carry a mortgage.
About 40% of occupied homes in Lamar are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lamar - 60% - are primarily heated with propane.
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
| Owner-occupied share | 40% |
|---|---|
| Share of owner-occupied homes with a mortgage | 0% |
| 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)