Home Insurance in North Platte, Nebraska
Homes in North Platte carry a median value of $169,100 - 11% lower than the Lincoln County median.
The typical home in North Platte was built around 1966. About 43% of homes were built before 1960, about 4 points above Lincoln County's 40%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in North Platte is 72% single-family homes, 16% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in North Platte carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in North Platte are owner-occupied.
74% of homes in North Platte are primarily heated with natural gas.
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.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $169,100 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)