HomeInsuranceQts

Home Insurance in Tilden, Nebraska

Homes in Tilden carry a median value of $156,500 - 25% lower than 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 Tilden was built around 1963. About 47% of homes were built before 1960, about 15 points above Madison County's 32%.

The housing stock in Tilden is 82% single-family homes, 4% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Tilden, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Tilden are owner-occupied.

Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 51% of homes in Tilden are primarily heated with natural gas.

FEMA rates Madison County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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$156,500
Median year built1963
Owner-occupied share77%
Share of owner-occupied homes with a mortgage36%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Madison County94
Home insurance premium$2,142 - statewide average (NAIC, 2023 data)
Key home insurance figures for Tilden, NE

Nearby towns

Sources

Data last updated: 2026-09-29