Home Insurance in Edison, Nebraska
With a median home value of $35,700, Edison is 64% lower than the Furnas County median.
The typical home in Edison was built around 1942. About 80% of homes were built before 1960, about 19 points above Furnas County's 61%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Edison, the housing stock is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
11% of owner-occupied homes in Edison carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 91% of occupied homes in Edison are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Edison - 51% - 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.
FEMA rates Furnas County's overall risk as Relatively Low, led by hail (Relatively High). Furnas County had 2 active NFIP flood policies as of September 2026. See the full Furnas 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 | $35,700 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Furnas County | 2 |
| 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)