Home Insurance in Leshara, Nebraska
The median home value in Leshara is $162,500, 40% 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 Leshara was built around 1966. About 36% of homes were built before 1960, about 2 points above Saunders County's 34%.
The housing stock in Leshara is 80% single-family homes, 8% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Leshara, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Leshara has an owner-occupancy rate of 85% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Leshara, 38% of homes are primarily heated with propane.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Nebraska carries a statewide average premium of $2,142 per year.
Key figures
| Median home value | $162,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)