Home Insurance in Heartwell, Nebraska
The median home value in Heartwell is $77,500, 65% lower than the Kearney County median.
The typical home in Heartwell was built around 1941. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 67% of homes were built before 1960, about 20 points above Kearney County's 46%.
Housing in Heartwell breaks down to 100% single-family homes.
In Heartwell, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Heartwell are owner-occupied.
In Heartwell, 95% of homes are primarily heated with natural gas.
FEMA rates Kearney County's overall risk as Very Low, led by hail (Relatively High). Kearney County had 37 active NFIP flood policies as of September 2026. See the full Kearney 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 | $77,500 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Kearney County | 37 |
| 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)