Home Insurance in Benkelman, Nebraska
With a median home value of $114,500, Benkelman is 20% lower than the Dundy County median.
The typical home in Benkelman was built around 1945. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 63% of homes were built before 1960, about 4 points above Dundy County's 60%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Benkelman is 81% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Benkelman, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Benkelman has an owner-occupancy rate of 73% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Benkelman - 68% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Dundy County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Dundy 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 home value | $114,500 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Dundy County | 7 |
| 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)