Home Insurance in Norman, Nebraska
Homes in Norman carry a median value of $85,000 - 62% lower than the Kearney County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Norman was built in 1939 or earlier. About 58% of homes were built before 1960, about 11 points above 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 Norman is 85% single-family homes and 15% mobile or manufactured homes.
In Norman, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 92% of occupied homes in Norman are owner-occupied.
Most homes in Norman - 62% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Norman? 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.
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 | $85,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)