Home Insurance in Fullerton, Nebraska
The median home value in Fullerton is $128,500, close to the Nance County median.
The typical home in Fullerton was built around 1953. About 63% of homes were built before 1960, about 2 points above Nance County's 60%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Fullerton, the housing stock is 91% single-family homes and 2% apartments in buildings with 5+ units.
In Fullerton, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Fullerton are owner-occupied.
Most homes in Fullerton - 66% - are primarily heated with natural gas.
Nance County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
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 | $128,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)