Home Insurance in Ragan, Nebraska
Homes in Ragan carry a median value of $70,000 - 52% lower than the Harlan County median.
The typical home in Ragan was built around 1993. About 38% of homes were built before 1960, about 8 points below Harlan County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Ragan, the housing stock is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Ragan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Ragan are owner-occupied.
Most homes in Ragan - 62% - 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.
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 | $70,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)