Home Insurance in St. Paul, Nebraska
The median home value in St. Paul is $203,300, close to the Howard County median.
The typical home in St. Paul was built around 1971. About 40% of homes were built before 1960, about 8 points below Howard County's 48%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in St. Paul is 88% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
65% of owner-occupied homes in St. Paul carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in St. Paul are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Paul - 67% - are primarily heated with natural gas.
Howard County had 42 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Howard 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 | $203,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)