Home Insurance in Anselmo, Nebraska
Homes in Anselmo carry a median value of $72,500 - 54% lower than the Custer County median.
The typical home in Anselmo was built around 1948. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 67% of homes were built before 1960, about 15 points above Custer County's 52%.
The housing stock in Anselmo is 82% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Anselmo, about 15% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Anselmo has an owner-occupancy rate of 82% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Anselmo - 69% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Custer County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Custer County had 42 active NFIP flood policies as of September 2026. See the full Custer 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 | $72,500 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Custer County | 42 |
| 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)