Home Insurance in Duncan, Nebraska
With a median home value of $162,500, Duncan is 27% lower than the Platte County median.
The typical home in Duncan was built around 1969. About 44% of homes were built before 1960, about 10 points above Platte County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Duncan, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
In Duncan, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Duncan has an owner-occupancy rate of 96% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Duncan, 75% of homes are primarily heated with electricity. 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 Duncan? FEMA's National Risk Index points to hail (Relatively High) in Platte County and Platte County had 127 active NFIP flood policies as of September 2026. See the full Platte 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 | $162,500 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Platte County | 127 |
| 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)