Home Insurance in Clarkson, Nebraska
The median home value in Clarkson is $84,500, 42% lower than the Colfax County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clarkson was built around 1957. About 54% of homes were built before 1960, about 11 points above Colfax County's 43%.
Housing in Clarkson breaks down to 82% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Clarkson, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Clarkson are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Clarkson, 46% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Clarkson? FEMA's National Risk Index points to hail (Relatively Moderate) in Colfax County and Colfax County had 259 active NFIP flood policies as of September 2026. See the full Colfax 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 | $84,500 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Colfax County | 259 |
| 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)