Home Insurance in Chapman, Nebraska
The median home value in Chapman is $113,800, 35% lower than the Merrick County median.
The typical home in Chapman was built around 1950. About 54% of homes were built before 1960, about 11 points above Merrick County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Chapman, the housing stock is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Chapman, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Chapman are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Chapman - 72% - are primarily heated with natural gas.
What's the biggest home insurance risk near Chapman? FEMA's National Risk Index points to hail (Relatively High) in Merrick County and Merrick County had 63 active NFIP flood policies as of September 2026. See the full Merrick 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 | $113,800 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Merrick County | 63 |
| 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)