Home Insurance in Jefferson County, Nebraska
With a median home value of $129,500, Jefferson County is 46% lower than the Nebraska median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Jefferson County was built around 1955. About 55% of homes were built before 1960, about 23 points above Nebraska's 32%.
The housing stock in Jefferson County is 84% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
46% of owner-occupied homes in Jefferson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Jefferson County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 39% of homes in Jefferson County are primarily heated with electricity.
The top hazards for Jefferson County, per FEMA's National Risk Index, are hail (Relatively Moderate), wildfire (Relatively Low) and strong wind (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Jefferson County has 5 active NFIP flood policies on file.
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 | $129,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)