Home Insurance in Wauneta, Nebraska
With a median home value of $88,100, Wauneta is 47% lower than the Chase County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Wauneta was built in 1939 or earlier. About 76% of homes were built before 1960, about 30 points above Chase County's 47%.
In Wauneta, the housing stock is 92% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wauneta, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wauneta has an owner-occupancy rate of 71% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Wauneta - 51% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Chase County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Chase 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 | $88,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)