Home Insurance in Superior, Nebraska
Homes in Superior carry a median value of $82,400 - 15% lower than the Nuckolls County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Superior was built around 1946. About 77% of homes were built before 1960, about 15 points above Nuckolls County's 63%.
In Superior, the housing stock is 90% single-family homes and 3% apartments in buildings with 5+ units.
About 29% of owner-occupied homes in Superior have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Superior has an owner-occupancy rate of 79% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Superior, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Superior? FEMA's National Risk Index points to hail (Relatively High) in Nuckolls County and 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.
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 | $82,400 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)