Home Insurance in Trumbull, Nebraska
Homes in Trumbull carry a median value of $172,900 - 11% higher than the Clay County median.
The typical home in Trumbull was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 7 points below Clay County's 54%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Trumbull is 94% single-family homes and 6% mobile or manufactured homes.
80% of owner-occupied homes in Trumbull carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 92% of occupied homes in Trumbull are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Trumbull, 62% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Trumbull? FEMA's National Risk Index points to hail (Relatively High) in Clay County and 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.
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 | $172,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)