Home Insurance in Fillmore County, Nebraska
Homes in Fillmore County carry a median value of $151,000 - 37% lower than the Nebraska median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fillmore County was built around 1959. About 51% of homes were built before 1960, about 19 points above Nebraska's 32%.
In Fillmore County, the housing stock is 90% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
45% of owner-occupied homes in Fillmore County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Fillmore County are owner-occupied.
In Fillmore County, 46% of homes 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.
Per FEMA's National Risk Index, Fillmore County's top hazards are hail (Relatively Moderate), strong wind (Relatively Moderate) and winter weather (Relatively Low).
Fillmore County had 5 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $151,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 5 |
| 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)