Home Insurance in Plymouth, Nebraska
With a median home value of $116,900, Plymouth is 10% lower than the Jefferson County median.
The typical home in Plymouth was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 40% of homes were built before 1960, about 15 points below Jefferson County's 55%.
The housing stock in Plymouth is 78% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Plymouth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Plymouth has an owner-occupancy rate of 79% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
61% of homes in Plymouth are primarily heated with electricity.
Jefferson County had 5 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $116,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)