Home Insurance in Seward County, Nebraska
With a median home value of $241,300, Seward County is close to the Nebraska median.
The typical home in Seward County was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 40% of homes were built before 1960, about 8 points above Nebraska's 32%.
Housing in Seward County breaks down to 84% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
54% of owner-occupied homes in Seward County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Seward County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Seward County, 45% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Moderate), wildfire (Relatively Low) and strong wind (Relatively Moderate) as the leading hazards for Seward County.
Seward County had 25 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $241,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 25 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)