Home Insurance in Minden, Nebraska
With a median home value of $208,500, Minden is 7% lower than the Kearney County median.
The typical home in Minden was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 2 points below Kearney County's 46%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Minden is 90% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Minden, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Minden are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Minden - 84% - are primarily heated with natural gas.
What's the biggest home insurance risk near Minden? FEMA's National Risk Index points to hail (Relatively High) in Kearney County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $208,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)