HomeInsuranceQts

Home Insurance in Waterbury, Nebraska

With a median home value of $89,200, Waterbury is 43% lower than the Dixon County median.

The typical home in Waterbury was built around 1963. About 47% of homes were built before 1960, about 11 points below Dixon County's 58%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Waterbury, the housing stock is 42% single-family homes, 28% apartments in buildings with 5+ units and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Waterbury, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

All occupied homes in Waterbury are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Waterbury - 58% - 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.

FEMA rates Dixon County's overall risk as Very Low, led by hail (Relatively Moderate). 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$89,200
Median year built1963
Owner-occupied share100%
Share of owner-occupied homes with a mortgage62%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Dixon County26
Home insurance premium$2,142 - statewide average (NAIC, 2023 data)
Key home insurance figures for Waterbury, NE

Nearby towns

Sources

Data last updated: 2026-09-29