Home Insurance in Weston, Nebraska
With a median home value of $163,300, Weston is 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 Weston was built around 1941. About 59% of homes were built before 1960, about 25 points above Saunders County's 34%.
In Weston, the housing stock is 91% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Weston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Weston has an owner-occupancy rate of 82% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 69% of homes in Weston 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.
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 | $163,300 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)