Home Insurance in Daykin, Nebraska
Homes in Daykin carry a median value of $106,300 - 18% lower than the Jefferson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Daykin was built around 1980. About 21% of homes were built before 1960, about 34 points below Jefferson County's 55%.
In Daykin, the housing stock is 93% single-family homes, 2% 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.
41% of owner-occupied homes in Daykin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Daykin has an owner-occupancy rate of 92% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Daykin, 59% of homes are primarily heated with propane.
What's the biggest home insurance risk near Daykin? FEMA's National Risk Index points to hail (Relatively Moderate) in Jefferson County and Jefferson County had 5 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $106,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 5 |
| 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)