Home Insurance in Beaver Crossing, Nebraska
With a median home value of $142,600, Beaver Crossing is 41% lower than the Seward County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Beaver Crossing was built in 1939 or earlier. About 65% of homes were built before 1960, about 25 points above Seward County's 40%.
The housing stock in Beaver Crossing is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Beaver Crossing carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 92% of occupied homes in Beaver Crossing are owner-occupied.
Most homes in Beaver Crossing - 65% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Seward County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Seward County had 25 active NFIP flood policies as of September 2026. See the full Seward 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 | $142,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Seward County | 25 |
| 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)