Home Insurance in Custer County, Nebraska
The median home value in Custer County is $157,800, 34% lower than the Nebraska median.
The typical home in Custer County was built around 1958. About 52% of homes were built before 1960, about 20 points above Nebraska's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Custer County is 89% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 44% of owner-occupied homes in Custer County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Custer County are owner-occupied.
In Custer County, 35% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Custer County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), wildfire (Relatively Low) and hail (Relatively Low).
As of September 2026, Custer County has 42 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $157,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 42 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)