Home Insurance in Hallam, Nebraska
The median home value in Hallam is $287,900, close to the Lancaster County median.
The typical home in Hallam was built around 2007. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 12 points below Lancaster County's 24%.
The housing stock in Hallam is 87% single-family homes and 12% apartments in buildings with 5+ units.
About 82% of owner-occupied homes in Hallam have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Hallam are owner-occupied.
In Hallam, 50% of homes are primarily heated with natural gas.
Lancaster County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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 | $287,900 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)