Home Insurance in Cortland, Nebraska
Homes in Cortland carry a median value of $183,200 - 5% higher than the Gage County median.
The typical home in Cortland was built around 1975. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 27% of homes were built before 1960, about 21 points below Gage County's 49%.
The housing stock in Cortland is 97% single-family homes and 1% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Cortland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 87% of occupied homes in Cortland are owner-occupied.
Most homes in Cortland - 63% - are primarily heated with natural gas.
Gage County had 76 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $183,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)