Home Insurance in Sutton, Nebraska
Homes in Sutton carry a median value of $155,600 - close to the Clay County median.
The typical home in Sutton was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 42% of homes were built before 1960, about 11 points below Clay County's 54%.
In Sutton, the housing stock is 89% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Sutton, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Sutton are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Sutton, 81% of homes 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.
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 | $155,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)