Home Insurance in Lexington, Nebraska
With a median home value of $159,100, Lexington is close to the Dawson County median.
The typical home in Lexington was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 31% of homes were built before 1960, about 7 points below Dawson County's 38%.
The housing stock in Lexington is 66% single-family homes, 20% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Lexington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lexington has an owner-occupancy rate of 57% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
58% of homes in Lexington are primarily heated with electricity.
FEMA rates Dawson County's overall risk as Relatively Low, led by hail (Relatively High). Dawson County had 138 active NFIP flood policies as of September 2026. See the full Dawson 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 | $159,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Dawson County | 138 |
| 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)