Home Insurance in Nuckolls County, Nebraska
Homes in Nuckolls County carry a median value of $96,500 - 60% lower than the Nebraska median.
The typical home in Nuckolls County was built around 1948. About 63% of homes were built before 1960, about 31 points above Nebraska's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Nuckolls County breaks down to 93% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 30% of owner-occupied homes in Nuckolls County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Nuckolls County has an owner-occupancy rate of 83% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Nuckolls County, 48% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Nuckolls County's top hazards are hail (Relatively High), strong wind (Relatively Moderate) and winter weather (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Nuckolls County has 6 active NFIP flood policies on file.
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 | $96,500 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Relatively Moderate), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)