Home Insurance in Hampton, Nebraska
With a median home value of $193,200, Hampton is 24% lower than the Hamilton County median.
The typical home in Hampton was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, about 7 points above Hamilton County's 34%.
In Hampton, the housing stock is 92% single-family homes and 2% mobile or manufactured homes.
About 65% of owner-occupied homes in Hampton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hampton has an owner-occupancy rate of 84% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Hampton - 75% - are primarily heated with natural gas.
Hamilton County had 20 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). 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 | $193,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)