Home Insurance in Lewiston, Nebraska
With a median home value of $48,300, Lewiston is 39% lower than the Pawnee County median.
The typical home in Lewiston was built around 1946. About 66% of homes were built before 1960, about 8 points above Pawnee County's 58%. 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 Lewiston is 83% single-family homes and 17% mobile or manufactured homes.
In Lewiston, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lewiston has an owner-occupancy rate of 95% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
43% of homes in Lewiston are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Pawnee County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Pawnee 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 | $48,300 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)