Home Insurance in Elsie, Nebraska
Homes in Elsie carry a median value of $70,000 - 55% lower than the Perkins County median.
The typical home in Elsie was built around 1951. About 75% of homes were built before 1960, about 13 points above Perkins County's 62%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Elsie, the housing stock is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
21% of owner-occupied homes in Elsie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Elsie are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Elsie - 59% - are primarily heated with propane.
What's the biggest home insurance risk near Elsie? FEMA's National Risk Index points to hail (Relatively Moderate) in Perkins County and Perkins County had 3 active NFIP flood policies as of September 2026. See the full Perkins 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 | $70,000 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Perkins County | 3 |
| 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)