Home Insurance in Garland, Nebraska
Homes in Garland carry a median value of $185,000 - 23% lower than the Seward County median.
The median home in Garland was built in 1939 or earlier. About 64% of homes were built before 1960, about 24 points above Seward County's 40%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Garland is 96% single-family homes and 4% mobile or manufactured homes.
49% of owner-occupied homes in Garland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Garland are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Garland, 70% of homes are primarily heated with propane.
Seward County had 25 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Seward 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 | $185,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)