Home Insurance in Ashton, Nebraska
The median home value in Ashton is $82,900, 45% lower than the Sherman County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Ashton was built in 1939 or earlier. About 79% of homes were built before 1960, about 30 points above Sherman County's 49%.
Housing in Ashton breaks down to 99% single-family homes and 1% mobile or manufactured homes.
In Ashton, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ashton has an owner-occupancy rate of 70% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Ashton - 55% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Ashton? FEMA's National Risk Index points to hail (Relatively High) in Sherman County and Sherman County had 5 active NFIP flood policies as of September 2026. See the full Sherman 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 | $82,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Sherman County | 5 |
| 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)