Home Insurance in Riverton, Nebraska
Homes in Riverton carry a median value of $31,000 - 68% lower than the Franklin County median.
The median home in Riverton was built in 1939 or earlier. About 94% of homes were built before 1960, about 25 points above Franklin County's 69%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Riverton, the housing stock is 100% single-family homes.
5% of owner-occupied homes in Riverton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Riverton are owner-occupied.
Most homes in Riverton - 80% - 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.
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 | $31,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 5% |
| 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)