Home Insurance in Table Rock, Nebraska
With a median home value of $73,300, Table Rock is 8% lower than the Pawnee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Table Rock was built in 1939 or earlier. About 73% of homes were built before 1960, about 15 points above Pawnee County's 58%.
In Table Rock, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
About 32% of owner-occupied homes in Table Rock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Table Rock has an owner-occupancy rate of 70% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Table Rock, 45% of homes are primarily heated with natural gas.
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.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $73,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)