Home Insurance in Geneva, Nebraska
Homes in Geneva carry a median value of $169,100 - 12% higher than the Fillmore County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Geneva was built around 1968. About 40% of homes were built before 1960, about 11 points below Fillmore County's 51%.
The housing stock in Geneva is 83% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
55% of owner-occupied homes in Geneva carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Geneva has an owner-occupancy rate of 76% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Geneva, 51% of homes are primarily heated with natural gas.
Fillmore County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $169,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)