Home Insurance in Bartley, Nebraska
Homes in Bartley carry a median value of $86,600 - 46% lower than the Red Willow County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bartley was built around 1963. About 45% of homes were built before 1960, about 7 points below Red Willow County's 51%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bartley is 90% single-family homes and 9% mobile or manufactured homes.
About 42% of owner-occupied homes in Bartley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bartley has an owner-occupancy rate of 75% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Bartley, 77% of homes are primarily heated with natural gas.
Red Willow County had 14 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Red Willow 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 | $86,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Red Willow County | 14 |
| 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)