Home Insurance in Wilber, Nebraska
With a median home value of $185,700, Wilber is 6% 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 Wilber was built around 1953. About 55% of homes were built before 1960, about 10 points above Saline County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wilber is 86% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Wilber, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Wilber are owner-occupied.
61% of homes in Wilber 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.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $185,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)