Home Insurance in Nelson, Nebraska
Homes in Nelson carry a median value of $71,700 - 26% lower than the Nuckolls County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Nelson was built around 1940. About 61% of homes were built before 1960, about 1 point below Nuckolls County's 63%.
The housing stock in Nelson is 96% single-family homes and 2% apartments in buildings with 5+ units.
26% of owner-occupied homes in Nelson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 85% of occupied homes in Nelson are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Nelson, 74% of homes are primarily heated with natural gas.
Nuckolls County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Nuckolls County had 6 active NFIP flood policies as of September 2026. See the full Nuckolls 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 | $71,700 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Nuckolls County | 6 |
| 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)