Home Insurance in Strang, Nebraska
Homes in Strang carry a median value of $181,300 - 20% higher than the Fillmore County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Strang was built around 1972. About 45% of homes were built before 1960, about 6 points below Fillmore County's 51%.
Housing in Strang breaks down to 100% single-family homes.
In Strang, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Strang has an owner-occupancy rate of 62% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Strang - 100% - are primarily heated with propane.
What's the biggest home insurance risk near Strang? 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.
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 | $181,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)