Home Insurance in Shubert, Nebraska
Homes in Shubert carry a median value of $61,300 - 39% lower than the Richardson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Shubert was built in 1939 or earlier. About 67% of homes were built before 1960, about 5 points above Richardson County's 62%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Shubert is 91% single-family homes and 9% mobile or manufactured homes.
About 38% of owner-occupied homes in Shubert have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Shubert are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Shubert - 66% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Richardson County's overall risk as Very Low, led by wildfire (Relatively Low). 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.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $61,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)