Home Insurance in Sargent, Nebraska
With a median home value of $57,900, Sargent is 63% lower than the Custer County median.
The typical home in Sargent was built around 1946. About 64% of homes were built before 1960, about 12 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.
In Sargent, the housing stock is 89% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Sargent, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sargent has an owner-occupancy rate of 71% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Sargent - 57% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Sargent? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Custer County and 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.
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 | $57,900 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)