Home Insurance in Utica, Nebraska
Homes in Utica carry a median value of $188,700 - 22% lower than the Seward County median.
The typical home in Utica was built around 1956. About 54% of homes were built before 1960, about 14 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.
In Utica, the housing stock is 92% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Utica, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Utica has an owner-occupancy rate of 69% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Utica - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Utica? 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.
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 | $188,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)