Home Insurance in Nickerson, Nebraska
The median home value in Nickerson is $74,600, 64% lower than the Dodge County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Nickerson was built around 2000. About 13% of homes were built before 1960, about 28 points below Dodge County's 41%.
The housing stock in Nickerson is 72% single-family homes and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 13% of owner-occupied homes in Nickerson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Nickerson are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Nickerson - 69% - are primarily heated with electricity.
FEMA rates Dodge County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $74,600 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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)