Home Insurance in Firth, Nebraska
With a median home value of $221,600, Firth is 19% lower than the Lancaster County median.
The typical home in Firth was built around 1976. About 31% of homes were built before 1960, about 7 points above Lancaster County's 24%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Firth breaks down to 88% single-family homes and 2% apartments in buildings with 5+ units.
70% of owner-occupied homes in Firth carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Firth are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Firth, 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 Firth? FEMA's National Risk Index points to strong wind (Very High) in Lancaster County and 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.
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 | $221,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)