Home Insurance in Concord, Nebraska
Homes in Concord carry a median value of $86,400 - 45% lower than the Dixon County median.
The typical home in Concord was built around 1955. About 56% of homes were built before 1960, about 1 point below Dixon County's 58%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Concord breaks down to 98% single-family homes and 2% mobile or manufactured homes.
About 63% of owner-occupied homes in Concord have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 92% of occupied homes in Concord are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Concord - 53% - are primarily heated with propane. 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 Concord? FEMA's National Risk Index points to hail (Relatively Moderate) in Dixon County and Dixon County had 26 active NFIP flood policies as of September 2026. See the full Dixon 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 | $86,400 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dixon County | 26 |
| 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)