Home Insurance in Bennet, Nebraska
The median home value in Bennet is $272,400, close to the Lancaster County median.
The typical home in Bennet was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, about 7 points above Lancaster County's 24%.
Housing in Bennet breaks down to 95% single-family homes and 2% mobile or manufactured homes.
In Bennet, about 83% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bennet has an owner-occupancy rate of 88% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Bennet, 65% of homes are primarily heated with natural gas.
FEMA rates Lancaster County's overall risk as Relatively Moderate, led by strong wind (Very High). Lancaster County had 1,051 active NFIP flood policies as of September 2026. See the full Lancaster 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 | $272,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 83% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Lancaster County | 1,051 |
| 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)