Home Insurance in Gandy, Nebraska
The median home value in Gandy is $583,300, 233% higher than the Logan County median.
The median home in Gandy was built in 2021 or later. About 25% of homes were built before 1960, about 29 points below Logan County's 54%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Gandy breaks down to 100% single-family homes.
Almost no owner-occupied homes in Gandy carry a mortgage.
All occupied homes in Gandy are owner-occupied.
88% of homes in Gandy are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Logan County's overall risk as Very Low, led by wildfire (Very Low). Logan County has no active NFIP flood policies on file. See the full Logan 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 | $583,300 |
|---|---|
| Median year built | 2021 or later |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Very Low) |
| 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)