Home Insurance in Aurora, Nebraska
With a median home value of $233,900, Aurora is 8% lower than the Hamilton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Aurora was built around 1973. About 31% of homes were built before 1960, about 3 points below Hamilton County's 34%.
Housing in Aurora breaks down to 84% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Aurora, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Aurora has an owner-occupancy rate of 81% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Aurora, 61% of homes are primarily heated with natural gas.
Hamilton County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Hamilton County had 20 active NFIP flood policies as of September 2026. See the full Hamilton 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 | $233,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Hamilton County | 20 |
| 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)