Home Insurance in Emmet, Nebraska
The typical home in Emmet was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 30 points below Holt County's 43%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Emmet is 73% single-family homes and 27% mobile or manufactured homes.
30% of owner-occupied homes in Emmet carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Emmet are owner-occupied. The vacancy rate is 55%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Emmet - 80% - are primarily heated with natural gas.
FEMA rates Holt County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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.
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 year built | 1991 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)