Home Insurance in Saunders County, Nebraska
Homes in Saunders County carry a median value of $271,700 - 14% 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 Saunders County was built around 1973. About 34% of homes were built before 1960, about 2 points above Nebraska's 32%.
In Saunders County, the housing stock is 90% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Saunders County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Saunders County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Saunders County, 39% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Saunders County's top hazards are hail (Relatively Moderate), wildfire (Relatively Low) and strong wind (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Saunders County has 403 active NFIP flood policies on file.
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 | $271,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 403 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
- Ashland
- Cedar Bluffs
- Ceresco
- Colon
- Ithaca
- Leshara
- Malmo
- Mead
- Memphis
- Morse Bluff
- Prague
- Valparaiso
- Wahoo
- Weston
- Yutan
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)