Home Insurance in Stanton, Nebraska
With a median home value of $177,100, Stanton is 9% lower than the Stanton County median.
The typical home in Stanton was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 54% of homes were built before 1960, about 10 points above Stanton County's 44%.
In Stanton, the housing stock is 83% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
54% of owner-occupied homes in Stanton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stanton has an owner-occupancy rate of 71% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Stanton - 65% - are primarily heated with natural gas.
Stanton County had 32 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Stanton 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 | $177,100 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Stanton County | 32 |
| 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)