Home Insurance in Pawnee City, Nebraska
With a median home value of $64,000, Pawnee City is 19% lower than the Pawnee County median.
The median home in Pawnee City was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 56% of homes were built before 1960, about 2 points below Pawnee County's 58%.
In Pawnee City, the housing stock is 86% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Pawnee City, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Pawnee City are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pawnee City, 69% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Pawnee City? FEMA's National Risk Index points to wildfire (Relatively Low) in Pawnee County and Pawnee County has no active NFIP flood policies on file. 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 | $64,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)