Home Insurance in Huntley, Nebraska
Homes in Huntley carry a median value of $162,500 - 11% higher than the Harlan County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Huntley was built in 1939 or earlier. About 89% of homes were built before 1960, about 44 points above Harlan County's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Huntley is 89% single-family homes and 11% mobile or manufactured homes.
Almost no owner-occupied homes in Huntley carry a mortgage.
About 89% of occupied homes in Huntley are owner-occupied.
In Huntley, 56% of homes are primarily heated with natural gas.
Harlan County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
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 | $162,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)