Home Insurance in Swanton, Nebraska
With a median home value of $112,500, Swanton is 43% lower than the Saline County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Swanton was built around 1943. About 74% of homes were built before 1960, about 30 points above Saline County's 44%.
Housing in Swanton breaks down to 98% single-family homes.
28% of owner-occupied homes in Swanton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Swanton has an owner-occupancy rate of 61% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in Swanton are primarily heated with propane.
Saline County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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 | $112,500 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)