Home Insurance in Center, Nebraska
The median home in Center was built in 1939 or earlier. About 79% of homes were built before 1960, about 35 points above Knox County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Center is 100% single-family homes.
About 61% of owner-occupied homes in Center have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Center has an owner-occupancy rate of 89% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Center, 41% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Knox County had 75 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Knox 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)