Home Insurance in Stromsburg, Nebraska
The median home value in Stromsburg is $159,900, 16% lower than the Polk County median.
The typical home in Stromsburg was built around 1945. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 65% of homes were built before 1960, about 16 points above Polk County's 49%.
The housing stock in Stromsburg is 88% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 45% of owner-occupied homes in Stromsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Stromsburg are owner-occupied.
Most homes in Stromsburg - 65% - are primarily heated with natural gas.
Polk County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Polk County had 20 active NFIP flood policies as of September 2026. See the full Polk 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 | $159,900 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)