Home Insurance in Dundy County, Nebraska
With a median home value of $143,400, Dundy County is 40% lower than the Nebraska median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Dundy County was built around 1948. About 60% of homes were built before 1960, about 28 points above Nebraska's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dundy County is 87% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 18% of owner-occupied homes in Dundy County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Dundy County are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 37% of homes in Dundy County are primarily heated with propane.
The top hazards for Dundy County, per FEMA's National Risk Index, are hail (Relatively Low), wildfire (Very Low) and winter weather (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Dundy County has 7 active NFIP flood policies on file.
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 | $143,400 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Very Low), Winter Weather (Very Low) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)