Home Insurance in Blue Springs, Nebraska
Homes in Blue Springs carry a median value of $59,000 - 66% lower than the Gage County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Blue Springs was built in 1939 or earlier. About 70% of homes were built before 1960, about 21 points above Gage County's 49%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Blue Springs is 92% single-family homes and 8% mobile or manufactured homes.
In Blue Springs, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Blue Springs has an owner-occupancy rate of 84% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
70% of homes in Blue Springs are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Blue Springs? FEMA's National Risk Index points to hail (Relatively Moderate) in Gage County and 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.
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 | $59,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)