Home Insurance in Ewing, Nebraska
Homes in Ewing carry a median value of $77,800 - 53% lower than the Holt County median.
The typical home in Ewing was built around 1944. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 78% of homes were built before 1960, about 34 points above Holt County's 43%.
In Ewing, the housing stock is 91% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
23% of owner-occupied homes in Ewing carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Ewing are owner-occupied.
65% of homes in Ewing 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.
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 | $77,800 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)