Home Insurance in Wood River, Nebraska
With a median home value of $151,200, Wood River is 33% lower than the Hall County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Wood River was built around 1967. About 42% of homes were built before 1960, about 11 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 Wood River is 81% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Wood River, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Wood River are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wood River - 82% - are primarily heated with natural gas.
Hall County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
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 | $151,200 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)