Home Insurance in Edgar, Nebraska
With a median home value of $95,000, Edgar is 39% lower than the Clay 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 Edgar was built around 1946. About 62% of homes were built before 1960, about 9 points above Clay County's 54%.
In Edgar, the housing stock is 86% single-family homes. The rest are 2-4 unit or other housing types.
In Edgar, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Edgar are owner-occupied.
52% of homes in Edgar are primarily heated with natural gas.
Clay County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Clay County had 15 active NFIP flood policies as of September 2026. See the full Clay 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 | $95,000 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)