Home Insurance in Comstock, Nebraska
With a median home value of $80,800, Comstock is 49% lower than the Custer County median.
The median home in Comstock was built in 1939 or earlier. About 80% of homes were built before 1960, about 28 points above Custer County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Comstock is 93% single-family homes and 7% mobile or manufactured homes.
About 15% of owner-occupied homes in Comstock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Comstock has an owner-occupancy rate of 83% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
In Comstock, 38% of homes are primarily heated with wood. Homes heated with propane and wood 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.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $80,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| 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)