Home Insurance in Hall County, Nebraska
The median home value in Hall County is $224,600, 6% lower than the Nebraska median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hall County was built around 1975. About 31% of homes were built before 1960, in line with Nebraska (32%).
In Hall County, the housing stock is 70% single-family homes, 17% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hall County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hall County has an owner-occupancy rate of 62% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Hall County - 64% - are primarily heated with natural gas.
The top hazards for Hall County, per FEMA's National Risk Index, are hail (Relatively High), winter weather (Relatively High) and strong wind (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Hall County has 94 active NFIP flood policies on file.
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 | $224,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Winter Weather (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 94 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)