Home Insurance in Oxford, Nebraska
With a median home value of $92,900, Oxford is 6% lower than the Furnas County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Oxford was built around 1957. About 54% of homes were built before 1960, about 6 points below Furnas County's 61%.
In Oxford, the housing stock is 88% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Oxford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Oxford are owner-occupied.
Most homes in Oxford - 74% - are primarily heated with natural gas.
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.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $92,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)