Home Insurance in Carleton, Nebraska
The median home in Carleton was built in 1939 or earlier. About 54% of homes were built before 1960, about 2 points below Thayer County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Carleton is 100% single-family homes.
About 15% of owner-occupied homes in Carleton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Carleton has an owner-occupancy rate of 100% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Carleton - 55% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 15% |
| 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)