Home Insurance in Exeter, Nebraska
Homes in Exeter carry a median value of $116,000 - 23% lower than the Fillmore County median.
The typical home in Exeter was built around 1960. About 50% of homes were built before 1960, about 1 point below Fillmore County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Exeter breaks down to 100% single-family homes.
In Exeter, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Exeter are owner-occupied.
Most homes in Exeter - 60% - 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.
What's the biggest home insurance risk near Exeter? FEMA's National Risk Index points to hail (Relatively Moderate) in Fillmore County and Fillmore County had 5 active NFIP flood policies as of September 2026. See the full Fillmore 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 | $116,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Fillmore County | 5 |
| 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)