Home Insurance in De Witt, Nebraska
Homes in De Witt carry a median value of $136,900 - 31% lower than the Saline County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in De Witt was built around 1964. About 44% of homes were built before 1960, in line with Saline County (44%).
Housing in De Witt breaks down to 95% single-family homes and 2% mobile or manufactured homes.
48% of owner-occupied homes in De Witt carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in De Witt are owner-occupied.
64% of homes in De Witt are primarily heated with natural gas.
FEMA rates Saline County's overall risk as Very Low, led by hail (Relatively High). Saline County had 50 active NFIP flood policies as of September 2026. See the full Saline 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 | $136,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Saline County | 50 |
| 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)