Home Insurance in Wilsonville, Nebraska
With a median home value of $44,200, Wilsonville is 55% lower than the Furnas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Wilsonville was built around 1952. About 76% of homes were built before 1960, about 15 points above Furnas County's 61%.
The housing stock in Wilsonville is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wilsonville, about 4% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Wilsonville are owner-occupied.
Most homes in Wilsonville - 70% - are primarily heated with propane. Homes heated with propane 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 | $44,200 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 4% |
| 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)