Home Insurance in Loup City, Nebraska
Homes in Loup City carry a median value of $96,300 - 37% lower than the Sherman County median.
The typical home in Loup City was built around 1944. About 65% of homes were built before 1960, about 17 points above Sherman County's 49%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Loup City, the housing stock is 85% single-family homes and 5% apartments in buildings with 5+ units.
About 39% of owner-occupied homes in Loup City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Loup City are owner-occupied.
Most homes in Loup City - 57% - are primarily heated with natural gas.
Sherman County had 5 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). 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 | $96,300 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)