Home Insurance in Winnetoon, Nebraska
With a median home value of $44,600, Winnetoon is 65% lower than the Knox County median.
The median home in Winnetoon was built in 1939 or earlier. About 87% of homes were built before 1960, about 42 points above Knox County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Winnetoon is 97% single-family homes and 3% mobile or manufactured homes.
In Winnetoon, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 92% of occupied homes in Winnetoon are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
46% of homes in Winnetoon are primarily heated with wood. 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's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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.
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 | $44,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)