Home Insurance in Beatrice, Nebraska
Homes in Beatrice carry a median value of $159,300 - 8% lower than the Gage County median.
The typical home in Beatrice was built around 1962. About 48% of homes were built before 1960, in line with Gage County (49%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Beatrice is 80% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
49% of owner-occupied homes in Beatrice carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Beatrice are owner-occupied.
Most homes in Beatrice - 58% - are primarily heated with natural gas.
Gage County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Gage County had 76 active NFIP flood policies as of September 2026. See the full Gage 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 | $159,300 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Gage County | 76 |
| 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)