Home Insurance in Kimball County, Nebraska
With a median home value of $109,400, Kimball County is 54% lower than the Nebraska median.
The typical home in Kimball County was built around 1952. About 70% of homes were built before 1960, about 38 points above Nebraska's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Kimball County, the housing stock is 86% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Kimball County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kimball County has an owner-occupancy rate of 75% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Kimball County - 51% - are primarily heated with natural gas.
The top hazards for Kimball County, per FEMA's National Risk Index, are hail (Relatively Moderate), wildfire (Very Low) and winter weather (Relatively Low).
Kimball County had 2 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $109,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 2 |
| 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)