Home Insurance in West Point, Nebraska
The median home value in West Point is $202,200, 13% higher than the Cuming County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in West Point was built around 1959. About 52% of homes were built before 1960, in line with Cuming County (52%).
In West Point, the housing stock is 81% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in West Point carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in West Point are owner-occupied.
Most homes in West Point - 70% - are primarily heated with natural gas.
Cuming County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Cuming County had 43 active NFIP flood policies as of September 2026. See the full Cuming 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 | $202,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Cuming County | 43 |
| 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)