Home Insurance in Odell, Nebraska
The median home value in Odell is $106,500, 39% lower than the Gage County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Odell was built in 1939 or earlier. About 67% of homes were built before 1960, about 18 points above Gage County's 49%.
The housing stock in Odell is 87% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Odell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Odell has an owner-occupancy rate of 71% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Odell - 84% - 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.
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 | $106,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)