Home Insurance in Bloomfield, Nebraska
The median home value in Bloomfield is $92,800, 27% lower than the Knox County median.
The typical home in Bloomfield was built around 1959. About 52% of homes were built before 1960, about 7 points above Knox County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bloomfield, the housing stock is 82% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bloomfield, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Bloomfield are owner-occupied.
In Bloomfield, 52% of homes are primarily heated with natural gas.
FEMA rates Knox County's overall risk as Very Low, led by wildfire (Relatively Low). Knox County had 75 active NFIP flood policies as of September 2026. See the full Knox 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 | $92,800 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Knox County | 75 |
| 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)