Home Insurance in Omaha, Nebraska
With a median home value of $245,500, Omaha is 8% lower than the Douglas County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Omaha was built around 1973. About 32% of homes were built before 1960, about 4 points above Douglas County's 28%.
In Omaha, the housing stock is 66% single-family homes, 29% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Omaha, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Omaha has an owner-occupancy rate of 57% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Omaha, 72% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Omaha? 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.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $245,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)