Home Insurance in Humphrey, Nebraska
Homes in Humphrey carry a median value of $231,300 - close to the Platte County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Humphrey was built around 1961. About 49% of homes were built before 1960, about 15 points above Platte County's 34%.
The housing stock in Humphrey is 92% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Humphrey carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 90% of occupied homes in Humphrey are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
59% of homes in Humphrey are primarily heated with natural gas.
FEMA rates Platte County's overall risk as Relatively Low, led by hail (Relatively High). 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.
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 | $231,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)