Home Insurance in Hickman, Nebraska
With a median home value of $311,700, Hickman is 13% higher than the Lancaster County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hickman was built around 2003. About 10% of homes were built before 1960, about 14 points below Lancaster County's 24%.
The housing stock in Hickman is 93% single-family homes and 6% apartments in buildings with 5+ units.
In Hickman, about 81% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Hickman are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hickman, 60% 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.
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 | $311,700 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)