Home Insurance in Douglas County, Nebraska
Homes in Douglas County carry a median value of $266,100 - 12% higher than the Nebraska median.
The typical home in Douglas County was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 4 points below Nebraska's 32%.
The housing stock in Douglas County is 70% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Douglas County, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Douglas County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Douglas County are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Very High), hail (Very High) and tornado (Very High) as the leading hazards for Douglas County.
Douglas County had 1,242 active National Flood Insurance Program policies as of September 2026. 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 | $266,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Hail (Very High), Tornado (Very High) |
| Active NFIP flood policies (county) | 1,242 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
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)