Home Insurance in Hayes Center, Nebraska
The median home value in Hayes Center is $85,600, 33% lower than the Hayes County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hayes Center was built around 1960. About 50% of homes were built before 1960, about 12 points below Hayes County's 62%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hayes Center is 79% single-family homes and 15% mobile or manufactured homes.
About 36% of owner-occupied homes in Hayes Center have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Hayes Center are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hayes Center, 62% of homes are primarily heated with propane.
Hayes County had 3 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Hayes County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $85,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Hayes County | 3 |
| 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)