Home Insurance in Atkinson, Nebraska
Homes in Atkinson carry a median value of $174,200 - 6% higher than the Holt County median.
The typical home in Atkinson was built around 1969. About 44% of homes were built before 1960, in line with Holt County (43%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Atkinson breaks down to 89% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Atkinson, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Atkinson are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 51% of homes in Atkinson are primarily heated with natural gas.
Holt County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Holt County had 14 active NFIP flood policies as of September 2026. See the full Holt 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 | $174,200 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Holt County | 14 |
| 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)