Home Insurance in Arnold, Nebraska
With a median home value of $146,700, Arnold is 7% lower than the Custer County median.
The typical home in Arnold was built around 1957. About 53% of homes were built before 1960, about 1 point above Custer County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Arnold, the housing stock is 91% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
60% of owner-occupied homes in Arnold carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Arnold are owner-occupied.
Most homes in Arnold - 65% - 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 had 42 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). 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 | $146,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)