Home Insurance in Dixon, Nebraska
With a median home value of $60,000, Dixon is 62% lower than the Dixon County median.
The median home in Dixon was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 87% of homes were built before 1960, about 29 points above Dixon County's 58%.
In Dixon, the housing stock is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Dixon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 92% of occupied homes in Dixon are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Dixon - 68% - are primarily heated with propane.
Dixon County had 26 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Dixon 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 | $60,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)