Home Insurance in Filley, Nebraska
With a median home value of $121,400, Filley is 30% lower than the Gage County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Filley was built around 1955. About 59% of homes were built before 1960, about 11 points above Gage County's 49%.
The housing stock in Filley is 100% single-family homes.
48% of owner-occupied homes in Filley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Filley are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Filley, 68% of homes 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.
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 | $121,400 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)