Home Insurance in Wisner, Nebraska
With a median home value of $139,500, Wisner is 22% lower than the Cuming County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Wisner was built around 1959. About 52% of homes were built before 1960, in line with Cuming County (52%).
The housing stock in Wisner is 84% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
39% of owner-occupied homes in Wisner carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Wisner are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
57% of homes in Wisner 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.
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 | $139,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)