Home Insurance in Lodgepole, Nebraska
With a median home value of $76,000, Lodgepole is 46% lower than the Cheyenne County median.
The typical home in Lodgepole was built around 1960. About 50% of homes were built before 1960, about 7 points below Cheyenne County's 57%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lodgepole, the housing stock is 72% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 22% of owner-occupied homes in Lodgepole have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Lodgepole are owner-occupied.
Most homes in Lodgepole - 92% - are primarily heated with natural gas.
What's the biggest home insurance risk near Lodgepole? FEMA's National Risk Index points to hail (Relatively Moderate) in Cheyenne County and Cheyenne County had 10 active NFIP flood policies as of September 2026. See the full Cheyenne 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 | $76,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cheyenne County | 10 |
| 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)