Home Insurance in Alma, Nebraska
With a median home value of $163,800, Alma is 12% higher than the Harlan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Alma was built around 1958. About 54% of homes were built before 1960, about 9 points above Harlan County's 45%.
Housing in Alma breaks down to 91% single-family homes and 5% apartments in buildings with 5+ units.
57% of owner-occupied homes in Alma carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Alma has an owner-occupancy rate of 81% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Alma, 63% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Alma? FEMA's National Risk Index points to hail (Relatively High) in Harlan County and Harlan County had 1 active NFIP flood policy as of September 2026. See the full Harlan 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 | $163,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Harlan County | 1 |
| 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)