Home Insurance in Hendley, Nebraska
With a median home value of $65,000, Hendley is 34% lower than the Furnas County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Hendley was built in 1939 or earlier. About 71% of homes were built before 1960, about 10 points above Furnas County's 61%.
In Hendley, the housing stock is 93% single-family homes.
45% of owner-occupied homes in Hendley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hendley has an owner-occupancy rate of 100% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hendley, 55% of homes are primarily heated with propane.
Furnas County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
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 | $65,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)