Home Insurance in Orleans, Nebraska
The median home value in Orleans is $64,400, 56% lower than the Harlan County median.
The median home in Orleans was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 77% of homes were built before 1960, about 32 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 Orleans is 89% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
32% of owner-occupied homes in Orleans carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Orleans are owner-occupied.
In Orleans, 73% 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 | $64,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)