Home Insurance in Logan County, Nebraska
The median home value in Logan County is $175,000, 27% lower than the Nebraska median.
The typical home in Logan County was built around 1956. About 54% of homes were built before 1960, about 22 points above Nebraska's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Logan County is 94% single-family homes and 6% mobile or manufactured homes.
About 34% of owner-occupied homes in Logan County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Logan County has an owner-occupancy rate of 79% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Logan County - 65% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Logan County, per FEMA's National Risk Index, are wildfire (Very Low), hail (Very Low) and winter weather (Very Low).
Logan County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $175,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Hail (Very Low), Winter Weather (Very Low) |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)