Home Insurance in Boys Town, Nebraska
The typical home in Boys Town was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 41% of homes were built before 1960, about 13 points above Douglas County's 28%.
The housing stock in Boys Town is 52% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 0% of occupied homes in Boys Town are owner-occupied. The vacancy rate is 72%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Boys Town - 88% - are primarily heated with natural gas.
What's the biggest home insurance risk near Boys Town? 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.
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 year built | 1971 |
|---|---|
| Owner-occupied share | 0% |
| 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)