Home Insurance in Stockville, Nebraska
With a median home value of $127,500, Stockville is 15% lower than the Frontier County median.
The median home in Stockville was built in 1939 or earlier. About 91% of homes were built before 1960, about 39 points above Frontier County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stockville is 94% single-family homes and 6% mobile or manufactured homes.
In Stockville, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Stockville has an owner-occupancy rate of 100% and a vacancy rate of 63%; unoccupied homes typically need a different coverage form.
In Stockville, 46% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Frontier County's overall risk as Very Low, led by hail (Relatively Moderate). 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.
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 | $127,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)