Home Insurance in Maxwell, Nebraska
With a median home value of $91,300, Maxwell is 52% lower than the Lincoln County median.
The typical home in Maxwell was built around 1945. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 62% of homes were built before 1960, about 22 points above Lincoln County's 40%.
In Maxwell, the housing stock is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Maxwell, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Maxwell are owner-occupied.
Most homes in Maxwell - 72% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lincoln County had 144 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Lincoln 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 | $91,300 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Lincoln County | 144 |
| 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)