Home Insurance in Pleasant Dale, Nebraska
With a median home value of $177,800, Pleasant Dale is 26% lower than the Seward County median.
The typical home in Pleasant Dale was built around 1960. About 50% of homes were built before 1960, about 10 points above Seward County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pleasant Dale, the housing stock is 97% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
68% of owner-occupied homes in Pleasant Dale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pleasant Dale has an owner-occupancy rate of 73% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Pleasant Dale, 60% of homes 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 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.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $177,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)