Home Insurance in Chambers, Nebraska
Homes in Chambers carry a median value of $91,000 - 45% lower than the Holt County median.
The typical home in Chambers was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, about 12 points above Holt County's 43%.
In Chambers, the housing stock is 82% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Chambers have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Chambers has an owner-occupancy rate of 89% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Most homes in Chambers - 55% - 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.
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 | $91,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 89% |
| 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)