Home Insurance in Belgrade, Nebraska
Homes in Belgrade carry a median value of $42,900 - 68% lower than the Nance County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Belgrade was built in 1939 or earlier. About 81% of homes were built before 1960, about 21 points above Nance County's 60%.
In Belgrade, the housing stock is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
3% of owner-occupied homes in Belgrade carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Belgrade has an owner-occupancy rate of 82% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Belgrade - 71% - are primarily heated with natural gas.
What's the biggest home insurance risk near Belgrade? FEMA's National Risk Index points to hail (Relatively High) in Nance County and Nance County had 12 active NFIP flood policies as of September 2026. See the full Nance 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 | $42,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 3% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Nance County | 12 |
| 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)