Home Insurance in Byron, Nebraska
Homes in Byron carry a median value of $55,000 - 55% lower than the Thayer County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Byron was built around 1957. About 61% of homes were built before 1960, about 5 points above Thayer County's 56%.
In Byron, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
In Byron, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Byron are owner-occupied. The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Byron, 71% of homes are primarily heated with natural gas.
FEMA rates Thayer County's overall risk as Very Low, led by hail (Relatively High). Thayer County had 18 active NFIP flood policies as of September 2026. See the full Thayer 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 | $55,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Thayer County | 18 |
| 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)