Home Insurance in Sheridan County, Nebraska
With a median home value of $113,400, Sheridan County is 52% lower than the Nebraska median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sheridan County was built around 1951. About 62% of homes were built before 1960, about 30 points above Nebraska's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sheridan County is 88% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Sheridan County, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Sheridan County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 43% of homes in Sheridan County are primarily heated with natural gas.
Per FEMA's National Risk Index, Sheridan County's top hazards are wildfire (Relatively Moderate), winter weather (Relatively Moderate) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Sheridan County has 7 active NFIP flood policies on file.
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 | $113,400 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)