Home Insurance in Niobrara, Nebraska
Homes in Niobrara carry a median value of $95,400 - 25% lower than the Knox County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Niobrara was built around 1975. About 14% of homes were built before 1960, about 31 points below Knox County's 44%.
In Niobrara, the housing stock is 68% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
23% of owner-occupied homes in Niobrara carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Niobrara has an owner-occupancy rate of 75% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
In Niobrara, 54% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Niobrara? FEMA's National Risk Index points to wildfire (Relatively Low) in Knox County and 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 | $95,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)