HomeInsuranceQts

Home Insurance in Lawrence, Nebraska

With a median home value of $89,400, Lawrence is 7% lower than the Nuckolls County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lawrence was built around 1967. About 40% of homes were built before 1960, about 23 points below Nuckolls County's 63%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lawrence is 94% single-family homes and 6% mobile or manufactured homes.

In Lawrence, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 98% of occupied homes in Lawrence are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Lawrence - 56% - are primarily heated with natural gas.

Nuckolls County had 6 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Nuckolls 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$89,400
Median year built1967
Owner-occupied share98%
Share of owner-occupied homes with a mortgage24%
Top county hazardHail (Relatively High)
Active NFIP policies in Nuckolls County6
Home insurance premium$2,142 - statewide average (NAIC, 2023 data)
Key home insurance figures for Lawrence, NE

Nearby towns

Sources

Data last updated: 2026-09-29