Home Insurance in Humboldt, Nebraska
With a median home value of $67,500, Humboldt is 33% lower than the Richardson County median.
The median home in Humboldt was built in 1939 or earlier. About 73% of homes were built before 1960, about 11 points above Richardson County's 62%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Humboldt is 84% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Humboldt, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Humboldt are owner-occupied.
Most homes in Humboldt - 57% - are primarily heated with natural gas.
What's the biggest home insurance risk near Humboldt? FEMA's National Risk Index points to wildfire (Relatively Low) in Richardson County and Richardson County had 17 active NFIP flood policies as of September 2026. See the full Richardson 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 | $67,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Richardson County | 17 |
| 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)