Home Insurance in Hildreth, Nebraska
The median home value in Hildreth is $115,300, 21% higher than the Franklin County median.
The typical home in Hildreth was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 61% of homes were built before 1960, about 8 points below Franklin County's 69%.
Housing in Hildreth breaks down to 100% single-family homes.
About 36% of owner-occupied homes in Hildreth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Hildreth are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Hildreth are primarily heated with natural gas.
Franklin County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Franklin County had 4 active NFIP flood policies as of September 2026. 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 | $115,300 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)