Home Insurance in Sarpy County, Nebraska
Homes in Sarpy County carry a median value of $314,100 - 32% higher than the Nebraska median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sarpy County was built around 1996. About 7% of homes were built before 1960, about 25 points below Nebraska's 32%.
Housing in Sarpy County breaks down to 78% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
72% of owner-occupied homes in Sarpy County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Sarpy County are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sarpy County - 73% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Sarpy County's top hazards are tornado (Relatively High), hail (Relatively High) and strong wind (Relatively High).
As of September 2026, Sarpy County has 659 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $314,100 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 659 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)