Home Insurance in Ashland, Nebraska
The median home value in Ashland is $249,700, 8% lower than the Saunders County median.
The typical home in Ashland was built around 1973. About 31% of homes were built before 1960, about 3 points below Saunders County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Ashland, the housing stock is 82% single-family homes and 11% apartments in buildings with 5+ units.
59% of owner-occupied homes in Ashland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Ashland are owner-occupied.
Most homes in Ashland - 59% - are primarily heated with natural gas.
FEMA rates Saunders County's overall risk as Very Low, led by hail (Relatively Moderate). Saunders County had 403 active NFIP flood policies as of September 2026. See the full Saunders 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 | $249,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Saunders County | 403 |
| 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)