Home Insurance in Seward, Nebraska
With a median home value of $244,600, Seward is close to the Seward County median.
The typical home in Seward was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 6 points below Seward County's 40%.
Housing in Seward breaks down to 74% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Seward, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Seward has an owner-occupancy rate of 61% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Seward, 62% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Seward? FEMA's National Risk Index points to hail (Relatively Moderate) in Seward County and 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.
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 | $244,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)