Home Insurance in Virginia, Nebraska
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Virginia was built around 1955. About 71% of homes were built before 1960, about 23 points above Gage County's 49%.
The housing stock in Virginia is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
30% of owner-occupied homes in Virginia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Virginia are owner-occupied.
71% of homes in Virginia are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 year built | 1955 |
|---|---|
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)