HomeInsuranceQts

Home Insurance in Pierce, Nebraska

With a median home value of $179,400, Pierce is 8% lower than the Pierce 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 Pierce was built around 1962. About 48% of homes were built before 1960, about 3 points below Pierce County's 52%.

The housing stock in Pierce is 94% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

About 54% of owner-occupied homes in Pierce have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Pierce has an owner-occupancy rate of 77% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.

66% of homes in Pierce are primarily heated with natural gas.

Pierce County had 19 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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$179,400
Median year built1962
Owner-occupied share77%
Share of owner-occupied homes with a mortgage54%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Pierce County19
Home insurance premium$2,142 - statewide average (NAIC, 2023 data)
Key home insurance figures for Pierce, NE

Nearby towns

Sources

Data last updated: 2026-09-29