Home Insurance in Stuart, Nebraska
The median home value in Stuart is $168,800, close to the Holt County median.
The typical home in Stuart was built around 1943. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 74% of homes were built before 1960, about 31 points above Holt County's 43%.
In Stuart, the housing stock is 95% single-family homes and 2% apartments in buildings with 5+ units.
51% of owner-occupied homes in Stuart carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Stuart are owner-occupied.
Most homes in Stuart - 61% - are primarily heated with natural gas.
Holt County had 14 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). 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 | $168,800 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)