Home Insurance in Potter, Nebraska
With a median home value of $109,600, Potter is 22% lower than the Cheyenne County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Potter was built around 1956. About 56% of homes were built before 1960, in line with Cheyenne County (57%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Potter is 93% single-family homes and 5% mobile or manufactured homes.
29% of owner-occupied homes in Potter carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Potter has an owner-occupancy rate of 82% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Potter, 67% of homes are primarily heated with natural gas.
FEMA rates Cheyenne County's overall risk as Very Low, led by hail (Relatively Moderate). 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.
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 | $109,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)