Home Insurance in Frontier County, Nebraska
With a median home value of $149,800, Frontier County is 37% lower than the Nebraska median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Frontier County was built around 1956. About 53% of homes were built before 1960, about 21 points above Nebraska's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Frontier County is 82% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
In Frontier County, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Frontier County are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Frontier County, 36% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Frontier County's top hazards are hail (Relatively Moderate), strong wind (Relatively Moderate) and winter weather (Relatively Low).
Frontier County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $149,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Winter Weather (Relatively Low) |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)