Home Insurance in Hordville, Nebraska
The median home value in Hordville is $95,000, 63% lower than the Hamilton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hordville was built around 1946. About 53% of homes were built before 1960, about 19 points above Hamilton County's 34%.
Housing in Hordville breaks down to 88% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Hordville, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Hordville are owner-occupied.
Most homes in Hordville - 68% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Hordville? FEMA's National Risk Index points to hail (Relatively High) in Hamilton County and 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 | $95,000 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)