Home Insurance in Papillion, Nebraska
Homes in Papillion carry a median value of $311,000 - close to the Sarpy County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Papillion was built around 1991. About 6% of homes were built before 1960, in line with Sarpy County (7%).
Housing in Papillion breaks down to 81% single-family homes and 17% apartments in buildings with 5+ units.
In Papillion, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Papillion are owner-occupied.
In Papillion, 80% of homes are primarily heated with natural gas.
Sarpy County had 659 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Sarpy 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 | $311,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)