Home Insurance in Hubbard, Nebraska
Homes in Hubbard carry a median value of $185,700 - close to the Dakota County median.
The typical home in Hubbard was built around 1950. About 69% of homes were built before 1960, about 36 points above Dakota County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Hubbard is 92% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
58% of owner-occupied homes in Hubbard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Hubbard are owner-occupied.
37% of homes in Hubbard are primarily heated with propane. Homes heated with propane and fuel oil 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 Hubbard? FEMA's National Risk Index points to hail (Relatively Moderate) in Dakota County and Dakota County had 35 active NFIP flood policies as of September 2026. See the full Dakota 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 | $185,700 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dakota County | 35 |
| 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)