HomeInsuranceQts

Home Insurance in Fairbury, Nebraska

With a median home value of $101,700, Fairbury is 21% lower than the Jefferson County median.

The typical home in Fairbury was built around 1942. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 67% of homes were built before 1960, about 12 points above Jefferson County's 55%.

Housing in Fairbury breaks down to 76% single-family homes and 16% apartments in buildings with 5+ units.

In Fairbury, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 67% of occupied homes in Fairbury are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

56% of homes in Fairbury are primarily heated with natural gas.

FEMA rates Jefferson County's overall risk as Very Low, led by hail (Relatively Moderate). 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.

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$101,700
Median year built1942
Owner-occupied share67%
Share of owner-occupied homes with a mortgage49%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Jefferson County5
Home insurance premium$2,142 - statewide average (NAIC, 2023 data)
Key home insurance figures for Fairbury, NE

Nearby towns

Sources

Data last updated: 2026-09-29