Home Insurance in Howard City (Boelus), Nebraska
With a median home value of $80,000, Howard City (Boelus) is 62% lower than the Howard County median.
The typical home in Howard City (Boelus) was built around 1940. About 61% of homes were built before 1960, about 13 points above Howard County's 48%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Howard City (Boelus), the housing stock is 84% single-family homes, 4% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 23% of owner-occupied homes in Howard City (Boelus) have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Howard City (Boelus) are owner-occupied.
Most homes in Howard City (Boelus) - 57% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Howard City (Boelus)? FEMA's National Risk Index points to hail (Relatively High) in Howard County and Howard County had 42 active NFIP flood policies as of September 2026. See the full Howard 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 home value | $80,000 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Howard County | 42 |
| 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)