Home Insurance in Norfolk, Nebraska
Homes in Norfolk carry a median value of $211,700 - close to the Madison 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 Norfolk was built around 1976. About 27% of homes were built before 1960, about 5 points below Madison County's 32%.
In Norfolk, the housing stock is 66% single-family homes, 25% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Norfolk have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Norfolk has an owner-occupancy rate of 61% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Norfolk - 58% - are primarily heated with natural gas.
What's the biggest home insurance risk near Norfolk? FEMA's National Risk Index points to hail (Relatively Moderate) in Madison County and Madison County had 94 active NFIP flood policies as of September 2026. See the full Madison 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 | $211,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Madison County | 94 |
| 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)