Home Insurance in Clay Center, Nebraska
The median home value in Clay Center is $141,300, 9% lower than the Clay County median.
The typical home in Clay Center was built around 1942. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 59% of homes were built before 1960, about 6 points above Clay County's 54%.
Housing in Clay Center breaks down to 92% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
47% of owner-occupied homes in Clay Center carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clay Center has an owner-occupancy rate of 86% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Clay Center - 55% - are primarily heated with natural gas.
Clay County had 15 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Clay 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 | $141,300 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Clay County | 15 |
| 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)