Home Insurance in Auburn, Nebraska
Homes in Auburn carry a median value of $98,800 - 25% lower than the Nemaha County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Auburn was built around 1953. About 57% of homes were built before 1960, in line with Nemaha County (57%).
The housing stock in Auburn is 71% single-family homes, 14% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Auburn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Auburn has an owner-occupancy rate of 50% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Auburn, 62% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Auburn? FEMA's National Risk Index points to wildfire (Relatively Low) in Nemaha County and Nemaha County had 7 active NFIP flood policies as of September 2026. See the full Nemaha 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 | $98,800 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Nemaha County | 7 |
| 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)