Home Insurance in Creighton, Nebraska
The median home value in Creighton is $98,000, 23% lower than the Knox County median.
The typical home in Creighton was built around 1953. About 56% of homes were built before 1960, about 12 points above Knox County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Creighton breaks down to 88% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 35% of owner-occupied homes in Creighton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Creighton are owner-occupied.
In Creighton, 52% of homes are primarily heated with natural gas.
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 home value | $98,000 |
|---|---|
| Median year built | 1953 |
| 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)