Home Insurance in Furnas County, Nebraska
The median home value in Furnas County is $98,400, 59% lower than the Nebraska median.
The typical home in Furnas County was built around 1949. About 61% of homes were built before 1960, about 29 points above Nebraska's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Furnas County is 88% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
35% of owner-occupied homes in Furnas County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Furnas County has an owner-occupancy rate of 76% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Furnas County - 60% - 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.
FEMA's National Risk Index lists hail (Relatively High), strong wind (Relatively High) and winter weather (Relatively Moderate) as the leading hazards for Furnas County.
As of September 2026, Furnas County has 2 active NFIP flood insurance policies. 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 | $98,400 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Relatively High), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 2 |
| 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)