Home Insurance in Campbell, Nebraska
Homes in Campbell carry a median value of $60,000 - 37% lower than the Franklin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Campbell was built around 1957. About 52% of homes were built before 1960, about 16 points below Franklin County's 69%.
The housing stock in Campbell is 94% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
28% of owner-occupied homes in Campbell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Campbell are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 86% of homes in Campbell are primarily heated with natural gas.
Franklin County had 4 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Franklin County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $60,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Franklin County | 4 |
| 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)