Home Insurance in Mason City, Nebraska
The median home in Mason City was built in 1939 or earlier. About 82% of homes were built before 1960, about 30 points above Custer County's 52%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Mason City breaks down to 99% single-family homes and 1% mobile or manufactured homes.
In Mason City, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mason City has an owner-occupancy rate of 75% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Mason City - 56% - are primarily heated with natural gas.
FEMA rates Custer County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)