Home Insurance in Greeley County, Nebraska
With a median home value of $120,000, Greeley County is 50% lower than the Nebraska median.
The typical home in Greeley County was built around 1946. About 58% of homes were built before 1960, about 26 points above Nebraska's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Greeley County, the housing stock is 87% single-family homes, 2% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Greeley County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Greeley County has an owner-occupancy rate of 82% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
38% of homes in Greeley County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Greeley County, per FEMA's National Risk Index, are hail (Relatively Moderate), strong wind (Relatively Moderate) and wildfire (Very Low).
Greeley County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $120,000 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Wildfire (Very Low) |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
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)