Home Insurance in Danbury, Nebraska
With a median home value of $103,100, Danbury is 35% lower than the Red Willow County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Danbury was built around 1955. About 53% of homes were built before 1960, about 2 points above Red Willow County's 51%.
The housing stock in Danbury is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 17% of owner-occupied homes in Danbury have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Danbury are owner-occupied. The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Danbury - 74% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Red Willow County's overall risk as Very Low, led by hail (Relatively Moderate). Red Willow County had 14 active NFIP flood policies as of September 2026. See the full Red Willow 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 | $103,100 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)