Home Insurance in Oshkosh, Nebraska
With a median home value of $85,800, Oshkosh is 22% lower than the Garden County median.
The typical home in Oshkosh was built around 1950. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 65% of homes were built before 1960, about 6 points above Garden County's 58%.
Housing in Oshkosh breaks down to 90% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 54% of owner-occupied homes in Oshkosh have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oshkosh has an owner-occupancy rate of 82% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
57% of homes in Oshkosh are primarily heated with natural gas.
Garden County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Garden County had 15 active NFIP flood policies as of September 2026. See the full Garden 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 | $85,800 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Garden County | 15 |
| 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)