Home Insurance in Tecumseh, Nebraska
The median home value in Tecumseh is $106,300, 32% lower than the Johnson County median.
The typical home in Tecumseh was built around 1953. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 62% of homes were built before 1960, about 5 points above Johnson County's 57%.
In Tecumseh, the housing stock is 79% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 32% of owner-occupied homes in Tecumseh have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 51% of occupied homes in Tecumseh are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Tecumseh are primarily heated with natural gas.
What's the biggest home insurance risk near Tecumseh? FEMA's National Risk Index points to wildfire (Relatively Low) in Johnson County and 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.
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 | $106,300 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)