Home Insurance in Cody, Nebraska
The median home value in Cody is $102,800, 32% lower than the Cherry County median.
The median home in Cody was built in 1939 or earlier. About 69% of homes were built before 1960, about 30 points above Cherry County's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cody, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
About 25% of owner-occupied homes in Cody have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cody has an owner-occupancy rate of 83% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cody, 43% of homes are primarily heated with electricity.
Cherry County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Cherry County has no active NFIP flood policies on file. See the full Cherry County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $102,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)