Home Insurance in Chappell, Nebraska
With a median home value of $94,000, Chappell is 6% lower than the Deuel County median.
The typical home in Chappell was built around 1945. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 78% of homes were built before 1960, about 5 points above Deuel County's 74%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chappell is 89% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
36% of owner-occupied homes in Chappell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Chappell are owner-occupied.
Most homes in Chappell - 73% - are primarily heated with natural gas.
FEMA rates Deuel County's overall risk as Very Low, led by hail (Relatively Low). Deuel County had 12 active NFIP flood policies as of September 2026. See the full Deuel County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $94,000 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)