Home Insurance in Friend, Nebraska
With a median home value of $173,800, Friend is 12% lower than the Saline County median.
The typical home in Friend was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 46% of homes were built before 1960, about 2 points above Saline County's 44%.
The housing stock in Friend is 93% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 65% of owner-occupied homes in Friend have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Friend are owner-occupied.
65% of homes in Friend are primarily heated with natural gas.
Saline County had 50 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Saline County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $173,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)