Home Insurance in Dodge, Nebraska
Homes in Dodge carry a median value of $126,100 - 40% lower than the Dodge County median.
The typical home in Dodge was built around 1950. About 64% of homes were built before 1960, about 23 points above Dodge County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Dodge, the housing stock is 83% single-family homes and 10% apartments in buildings with 5+ units.
In Dodge, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dodge has an owner-occupancy rate of 71% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Dodge - 67% - are primarily heated with electricity. Homes heated with propane and fuel oil 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 Dodge? FEMA's National Risk Index points to hail (Relatively Moderate) in Dodge County and Dodge County had 838 active NFIP flood policies as of September 2026. See the full Dodge 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 | $126,100 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dodge County | 838 |
| 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)