Home Insurance in Howells, Nebraska
Homes in Howells carry a median value of $107,400 - 26% lower than the Colfax 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 Howells was built around 1947. About 65% of homes were built before 1960, about 21 points above Colfax County's 43%.
Housing in Howells breaks down to 93% single-family homes and 3% mobile or manufactured homes.
36% of owner-occupied homes in Howells carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Howells has an owner-occupancy rate of 91% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
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 Howells, 50% of homes are primarily heated with electricity.
Colfax County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $107,400 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)