Home Insurance in Unadilla, Nebraska
The median home value in Unadilla is $139,600, 31% lower than the Otoe County median.
The typical home in Unadilla was built around 1962. About 44% of homes were built before 1960, about 4 points above Otoe County's 40%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Unadilla breaks down to 94% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Unadilla, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Unadilla are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Unadilla - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Unadilla? 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.
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 | $139,600 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)