Home Insurance in Venango, Nebraska
With a median home value of $60,700, Venango is 61% lower than the Perkins County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Venango was built around 1943. About 78% of homes were built before 1960, about 15 points above Perkins County's 62%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Venango is 94% single-family homes and 6% mobile or manufactured homes.
27% of owner-occupied homes in Venango carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Venango has an owner-occupancy rate of 86% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Venango - 84% - are primarily heated with natural gas. Homes heated with propane 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 Venango? 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.
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 | $60,700 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)