Home Insurance in Naponee, Nebraska
The median home value in Naponee is $38,500, 60% lower than the Franklin County median.
The median home in Naponee was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 71% of homes were built before 1960, about 2 points above Franklin County's 69%.
The housing stock in Naponee is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
21% of owner-occupied homes in Naponee carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 96% of occupied homes in Naponee are owner-occupied. The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 69% of homes in Naponee are primarily heated with natural gas.
FEMA rates Franklin County's overall risk as Very Low, led by hail (Relatively High). 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.
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 | $38,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)