Home Insurance in Dodge County, Nebraska
Homes in Dodge County carry a median value of $208,600 - 13% lower than the Nebraska median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dodge County was built around 1967. About 41% of homes were built before 1960, about 9 points above Nebraska's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dodge County is 78% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
55% of owner-occupied homes in Dodge County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Dodge County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dodge County - 52% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Dodge County's top hazards are hail (Relatively Moderate), tornado (Relatively Moderate) and strong wind (Relatively High).
As of September 2026, Dodge County has 838 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $208,600 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 838 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Hooper
- Median home value: $173,200
- Median year built: 1953
- Owner-occupied share: 74%
-
North Bend
- Median home value: $172,800
- Median year built: 1959
- Owner-occupied share: 78%
-
Scribner
- Median home value: $114,400
- Median year built: 1942
- Owner-occupied share: 84%
Sources
- 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)