Home Insurance in Staplehurst, Nebraska
The median home value in Staplehurst is $86,000, 64% lower than the Seward County median.
The median home in Staplehurst was built in 1939 or earlier. About 78% of homes were built before 1960, about 39 points above Seward County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Staplehurst, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
73% of owner-occupied homes in Staplehurst carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Staplehurst has an owner-occupancy rate of 95% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Staplehurst - 84% - are primarily heated with natural gas.
FEMA rates Seward County's overall risk as Very Low, led by hail (Relatively Moderate). 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 | $86,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)