Home Insurance in Rock County, Nebraska
With a median home value of $117,500, Rock County is 51% lower than the Nebraska median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Rock County was built around 1968. About 41% of homes were built before 1960, about 9 points above Nebraska's 32%.
The housing stock in Rock County is 88% single-family homes, 2% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
30% of owner-occupied homes in Rock County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Rock County are owner-occupied.
Most homes in Rock County - 50% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Rock County's top hazards are wildfire (Very Low), hail (Very Low) and winter weather (Relatively Low).
As of September 2026, Rock County has 1 active NFIP flood insurance policy. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $117,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Hail (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)