Home Insurance in Ralston, Nebraska
Homes in Ralston carry a median value of $230,800 - 13% lower than the Douglas County median.
The typical home in Ralston was built around 1972. About 22% of homes were built before 1960, about 7 points below Douglas County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Ralston is 68% single-family homes and 29% apartments in buildings with 5+ units.
About 65% of owner-occupied homes in Ralston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ralston has an owner-occupancy rate of 63% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Ralston, 67% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Ralston? 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 | $230,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)