Home Insurance in Newport, Nebraska
Homes in Newport carry a median value of $50,700 - 57% lower than the Rock County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Newport was built around 1945. About 64% of homes were built before 1960, about 24 points above Rock County's 41%.
In Newport, the housing stock is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Newport, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Newport are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 74% of homes in Newport are primarily heated with natural gas.
Rock County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Rock County had 1 active NFIP flood policy as of September 2026. See the full Rock 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 | $50,700 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Rock County | 1 |
| 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)