Home Insurance in Bennington, Nebraska
Homes in Bennington carry a median value of $333,100 - 25% higher than the Douglas County median.
The typical home in Bennington was built around 2002. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 9% of homes were built before 1960, about 19 points below Douglas County's 28%.
Housing in Bennington breaks down to 69% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 73% of owner-occupied homes in Bennington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Bennington are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
59% of homes in Bennington are primarily heated with natural gas.
What's the biggest home insurance risk near Bennington? FEMA's National Risk Index points to strong wind (Very High) in Douglas County and Douglas County had 1,242 active NFIP flood policies as of September 2026. See the full Douglas 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 | $333,100 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Douglas County | 1,242 |
| 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)