Home Insurance in Big Springs, Nebraska
Homes in Big Springs carry a median value of $96,200 - close to the Deuel County median.
The typical home in Big Springs was built around 1944. About 68% of homes were built before 1960, about 6 points below Deuel County's 74%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Big Springs, the housing stock is 95% single-family homes and 3% mobile or manufactured homes.
In Big Springs, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Big Springs are owner-occupied.
70% of homes in Big Springs are primarily heated with natural gas.
Deuel County had 12 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Deuel 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 | $96,200 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Deuel County | 12 |
| 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)