Home Insurance in Stockham, Nebraska
With a median home value of $106,300, Stockham is 58% lower than the Hamilton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Stockham was built in 1939 or earlier. About 86% of homes were built before 1960, about 51 points above Hamilton County's 34%.
The housing stock in Stockham is 100% single-family homes.
About 43% of owner-occupied homes in Stockham have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Stockham are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Stockham - 71% - are primarily heated with propane.
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.
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 | $106,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)