Home Insurance in Polk, Nebraska
With a median home value of $97,200, Polk is 49% lower than the Polk County median.
The median home in Polk was built in 1939 or earlier. About 69% of homes were built before 1960, about 20 points above Polk County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Polk, the housing stock is 91% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
39% of owner-occupied homes in Polk carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Polk are owner-occupied.
Most homes in Polk - 68% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Polk County had 20 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Polk 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 | $97,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Polk County | 20 |
| 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)