Home Insurance in O'Neill, Nebraska
With a median home value of $153,300, O'Neill is 7% lower than the Holt County median.
The typical home in O'Neill was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 39% of homes were built before 1960, about 4 points below Holt County's 43%.
The housing stock in O'Neill is 80% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in O'Neill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in O'Neill are owner-occupied.
Most homes in O'Neill - 59% - are primarily heated with natural gas.
What's the biggest home insurance risk near O'Neill? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Holt County and 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 | $153,300 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)