Home Insurance in Dunbar, Nebraska
With a median home value of $68,100, Dunbar is 66% lower than the Otoe County median.
The median home in Dunbar was built in 1939 or earlier. About 73% of homes were built before 1960, about 33 points above Otoe County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Dunbar breaks down to 100% single-family homes.
64% of owner-occupied homes in Dunbar carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Dunbar are owner-occupied.
91% of homes in Dunbar are primarily heated with natural gas.
Otoe County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Otoe County had 17 active NFIP flood policies as of September 2026. See the full Otoe 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 | $68,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Otoe County | 17 |
| 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)