HomeInsuranceQts

Home Insurance in Giltner, Nebraska

With a median home value of $184,900, Giltner is 27% lower than the Hamilton County median.

The typical home in Giltner was built around 1971. About 41% of homes were built before 1960, about 7 points above Hamilton County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

In Giltner, the housing stock is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Giltner, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Giltner has an owner-occupancy rate of 83% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.

Most homes in Giltner - 83% - are primarily heated with natural gas.

FEMA rates Hamilton County's overall risk as Very Low, led by hail (Relatively High). 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.

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$184,900
Median year built1971
Owner-occupied share83%
Share of owner-occupied homes with a mortgage53%
Top county hazardHail (Relatively High)
Active NFIP policies in Hamilton County20
Home insurance premium$2,142 - statewide average (NAIC, 2023 data)
Key home insurance figures for Giltner, NE

Nearby towns

Sources

Data last updated: 2026-09-29