Home Insurance in Steinauer, Nebraska
With a median home value of $65,000, Steinauer is 18% lower than the Pawnee County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Steinauer was built in 1939 or earlier. About 63% of homes were built before 1960, about 5 points above Pawnee County's 58%.
Housing in Steinauer breaks down to 100% single-family homes.
About 21% of owner-occupied homes in Steinauer have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 97% of occupied homes in Steinauer are owner-occupied.
In Steinauer, 49% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Steinauer? 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.
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 | $65,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)