Home Insurance in Rockville, Nebraska
Homes in Rockville carry a median value of $39,200 - 74% lower than the Sherman County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Rockville was built in 1939 or earlier. About 75% of homes were built before 1960, about 26 points above Sherman County's 49%.
The housing stock in Rockville is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rockville, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 94% of occupied homes in Rockville are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Rockville are primarily heated with propane.
Sherman County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
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 | $39,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)