Home Insurance in Wymore, Nebraska
The median home value in Wymore is $64,200, 63% lower than the Gage County median.
The typical home in Wymore was built around 1947. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 63% of homes were built before 1960, about 15 points above Gage County's 49%.
Housing in Wymore breaks down to 92% single-family homes and 2% mobile or manufactured homes.
In Wymore, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Wymore are owner-occupied.
In Wymore, 70% of homes 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.
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 | $64,200 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)