Home Insurance in Curtis, Nebraska
Homes in Curtis carry a median value of $149,100 - close to the Frontier County median.
The typical home in Curtis was built around 1968. About 40% of homes were built before 1960, about 13 points below Frontier County's 53%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Curtis, the housing stock is 72% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Curtis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Curtis has an owner-occupancy rate of 52% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
69% of homes in Curtis are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Frontier County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Frontier 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 | $149,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively Moderate) |
| 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)