HomeInsuranceQts

Home Insurance in Ithaca, Nebraska

The median home value in Ithaca is $158,500, 42% lower than the Saunders County median.

The typical home in Ithaca was built around 1944. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 20 points above Saunders County's 34%.

The housing stock in Ithaca is 98% single-family homes and 2% mobile or manufactured homes.

In Ithaca, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Ithaca has an owner-occupancy rate of 86% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.

42% of homes in Ithaca are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

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$158,500
Median year built1944
Owner-occupied share86%
Share of owner-occupied homes with a mortgage59%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Saunders County403
Home insurance premium$2,142 - statewide average (NAIC, 2023 data)
Key home insurance figures for Ithaca, NE

Nearby towns

Sources

Data last updated: 2026-09-29