Home Insurance in Hadar, Nebraska
Homes in Hadar carry a median value of $217,900 - 11% higher than the Pierce County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hadar was built around 1976. About 26% of homes were built before 1960, about 26 points below Pierce County's 52%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hadar is 92% single-family homes and 6% mobile or manufactured homes.
About 45% of owner-occupied homes in Hadar have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hadar has an owner-occupancy rate of 76% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hadar, 41% of homes are primarily heated with propane.
Pierce County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Pierce County had 19 active NFIP flood policies as of September 2026. See the full Pierce 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 | $217,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pierce County | 19 |
| 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)