Home Insurance in Elk Creek, Nebraska
The median home value in Elk Creek is $40,000, 74% lower than the Johnson 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 Elk Creek was built around 1951. About 68% of homes were built before 1960, about 11 points above Johnson County's 57%.
In Elk Creek, the housing stock is 87% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Elk Creek, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Elk Creek are owner-occupied.
Most homes in Elk Creek - 60% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Johnson County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Johnson County had 17 active NFIP flood policies as of September 2026. See the full Johnson 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 | $40,000 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Johnson County | 17 |
| 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)