Home Insurance in Yutan, Nebraska
Homes in Yutan carry a median value of $198,800 - 27% 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 Yutan was built around 1973. About 23% of homes were built before 1960, about 11 points below Saunders County's 34%.
Housing in Yutan breaks down to 93% single-family homes and 4% apartments in buildings with 5+ units.
About 83% of owner-occupied homes in Yutan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Yutan has an owner-occupancy rate of 80% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Yutan - 57% - are primarily heated with natural gas.
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.
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 | $198,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)