Home Insurance in Lancaster County, Nebraska
With a median home value of $275,200, Lancaster County is 15% higher than the Nebraska median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lancaster County was built around 1983. About 24% of homes were built before 1960, about 8 points below Nebraska's 32%.
The housing stock in Lancaster County is 67% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
64% of owner-occupied homes in Lancaster County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lancaster County has an owner-occupancy rate of 59% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Lancaster County, 60% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Very High), tornado (Relatively High) and hail (Relatively High) as the leading hazards for Lancaster County.
Lancaster County had 1,051 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $275,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Tornado (Relatively High), Hail (Relatively High) |
| Active NFIP flood policies (county) | 1,051 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)