Home Insurance in Gage County, Nebraska
Homes in Gage County carry a median value of $174,000 - 27% lower than the Nebraska median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Gage County was built around 1961. About 49% of homes were built before 1960, about 17 points above Nebraska's 32%.
In Gage County, the housing stock is 86% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Gage County, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Gage County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 46% of homes in Gage County are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively Moderate), strong wind (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Gage County.
As of September 2026, Gage County has 76 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 | $174,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 76 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
- Adams
- Barneston
- Beatrice
- Blue Springs
- Clatonia
- Cortland
- Filley
- Liberty
- Odell
- Pickrell
- Virginia
- Wymore
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)