Home Insurance in Waterloo, Nebraska
Homes in Waterloo carry a median value of $231,400 - 13% lower than the Douglas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Waterloo was built around 1998. About 24% of homes were built before 1960, about 4 points below Douglas County's 28%.
The housing stock in Waterloo is 85% single-family homes and 9% apartments in buildings with 5+ units.
In Waterloo, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Waterloo are owner-occupied.
Most homes in Waterloo - 54% - are primarily heated with natural gas.
Douglas County had 1,242 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). 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 | $231,400 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 71% |
| 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)