Home Insurance in Kimball, Nebraska
With a median home value of $112,100, Kimball is close to the Kimball County median.
The typical home in Kimball was built around 1953. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 73% of homes were built before 1960, about 3 points above Kimball County's 70%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kimball is 88% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 34% of owner-occupied homes in Kimball have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Kimball are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kimball - 74% - are primarily heated with natural gas.
What's the biggest home insurance risk near Kimball? FEMA's National Risk Index points to hail (Relatively Moderate) in Kimball County and Kimball County had 2 active NFIP flood policies as of September 2026. See the full Kimball County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $112,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Kimball County | 2 |
| 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)