Home Insurance in Ceresco, Nebraska
The median home value in Ceresco is $210,600, 22% lower than the Saunders County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ceresco was built around 1974. About 27% of homes were built before 1960, about 7 points below Saunders County's 34%.
The housing stock in Ceresco is 93% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 64% of owner-occupied homes in Ceresco have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Ceresco 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 Ceresco - 70% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Saunders County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $210,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)