Home Insurance in Stratton, Nebraska
The median home value in Stratton is $54,100, 44% lower than the Hitchcock County median.
The typical home in Stratton was built around 1942. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 73% of homes were built before 1960, about 13 points above Hitchcock County's 59%.
The housing stock in Stratton is 91% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Stratton, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Stratton are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
48% of homes in Stratton are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Hitchcock County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Hitchcock County had 1 active NFIP flood policy as of September 2026. See the full Hitchcock 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 | $54,100 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Hitchcock 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)