Home Insurance in Moorefield, Nebraska
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Moorefield was built around 1958. About 52% of homes were built before 1960, in line with Frontier County (53%).
Housing in Moorefield breaks down to 100% single-family homes.
About 9% of owner-occupied homes in Moorefield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Moorefield has an owner-occupancy rate of 61% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
50% of homes in Moorefield are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Moorefield? FEMA's National Risk Index points to hail (Relatively Moderate) in Frontier County and Frontier County has no active NFIP flood policies on file. 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 year built | 1958 |
|---|---|
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 9% |
| 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)