Home Insurance in Johnson, Nebraska
The median home value in Johnson is $107,800, 18% lower than the Nemaha County median.
The typical home in Johnson was built around 1950. About 61% of homes were built before 1960, about 4 points above Nemaha County's 57%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Johnson is 94% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Johnson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Johnson has an owner-occupancy rate of 83% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
59% of homes in Johnson are primarily heated with natural gas.
FEMA rates Nemaha County's overall risk as Very Low, led by wildfire (Relatively Low). 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.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $107,800 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)