Home Insurance in Pawnee County, Nebraska
Homes in Pawnee County carry a median value of $79,400 - 67% lower than the Nebraska median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pawnee County was built around 1952. About 58% of homes were built before 1960, about 26 points above Nebraska's 32%.
The housing stock in Pawnee County is 91% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Pawnee County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Pawnee County are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pawnee County, 31% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Pawnee County's top hazards are wildfire (Relatively Low), hail (Relatively Low) and winter weather (Relatively Low).
Pawnee County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $79,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)