Home Insurance in Cairo, Nebraska
The median home value in Cairo is $193,000, 14% lower than the Hall County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cairo was built around 1961. About 49% of homes were built before 1960, about 18 points above Hall County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cairo is 84% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Cairo, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Cairo are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cairo, 61% of homes are primarily heated with natural gas.
FEMA rates Hall County's overall risk as Relatively Low, led by hail (Relatively High). Hall County had 94 active NFIP flood policies as of September 2026. See the full Hall County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $193,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Hall County | 94 |
| 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)