Home Insurance in Rogers, Nebraska
Homes in Rogers carry a median value of $90,700 - 37% 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 Rogers was built around 1964. About 38% of homes were built before 1960, about 5 points below Colfax County's 43%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rogers is 92% single-family homes and 8% mobile or manufactured homes.
In Rogers, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Rogers are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 69% of homes in Rogers are primarily heated with electricity.
What's the biggest home insurance risk near Rogers? 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 | $90,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)