Home Insurance in Talmage, Nebraska
Homes in Talmage carry a median value of $83,600 - 59% lower than the Otoe County median.
The median home in Talmage was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 80% of homes were built before 1960, about 40 points above Otoe County's 40%.
In Talmage, the housing stock is 100% single-family homes.
In Talmage, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Talmage are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Talmage - 66% - are primarily heated with propane.
What's the biggest home insurance risk near Talmage? 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.
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 | $83,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)