Home Insurance in Keith County, Nebraska
The median home value in Keith County is $168,000, 30% lower than the Nebraska median.
The typical home in Keith County was built around 1973. About 32% of homes were built before 1960, in line with Nebraska (32%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Keith County is 72% single-family homes, 4% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Keith County, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Keith County has an owner-occupancy rate of 71% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In Keith County, 46% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Keith County, per FEMA's National Risk Index, are hail (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Low).
As of September 2026, Keith County has 41 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $168,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 41 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)