Home Insurance in Gretna, Nebraska
Homes in Gretna carry a median value of $341,600 - 9% higher than the Sarpy County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gretna was built around 2002. About 4% of homes were built before 1960, about 3 points below Sarpy County's 7%.
Housing in Gretna breaks down to 83% single-family homes and 15% apartments in buildings with 5+ units.
About 77% of owner-occupied homes in Gretna have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gretna has an owner-occupancy rate of 75% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
77% of homes in Gretna are primarily heated with natural gas.
FEMA rates Sarpy County's overall risk as Relatively Moderate, led by tornado (Relatively High). Sarpy County had 659 active NFIP flood policies as of September 2026. See the full Sarpy 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 | $341,600 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Sarpy County | 659 |
| 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)