Home Insurance in Sterling, Nebraska
Homes in Sterling carry a median value of $130,400 - 16% lower than the Johnson County median.
The typical home in Sterling was built around 1942. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 63% of homes were built before 1960, about 6 points above Johnson County's 57%.
Housing in Sterling breaks down to 97% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 52% of owner-occupied homes in Sterling have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sterling has an owner-occupancy rate of 78% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Sterling, 59% of homes are primarily heated with natural gas.
FEMA rates Johnson County's overall risk as Very Low, led by wildfire (Relatively Low). 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 | $130,400 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)