Home Insurance in Lorton, Nebraska
With a median home value of $57,800, Lorton is 71% lower than the Otoe County median.
The typical home in Lorton was built around 1995. About 40% of homes were built before 1960, in line with Otoe County (40%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lorton is 83% single-family homes and 17% mobile or manufactured homes.
About 42% of owner-occupied homes in Lorton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Lorton are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lorton - 69% - are primarily heated with propane.
What's the biggest home insurance risk near Lorton? FEMA's National Risk Index points to hail (Relatively Moderate) in Otoe County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $57,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)