Home Insurance in Fremont, Nebraska
Homes in Fremont carry a median value of $214,700 - close to the Dodge County median.
The typical home in Fremont was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, in line with Dodge County (41%).
Housing in Fremont breaks down to 76% single-family homes, 15% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
59% of owner-occupied homes in Fremont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Fremont are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fremont - 62% - are primarily heated with natural gas.
Dodge County had 838 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $214,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)