Home Insurance in Davenport, Nebraska
Homes in Davenport carry a median value of $87,800 - 29% lower than the Thayer County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Davenport was built around 1950. About 70% of homes were built before 1960, about 14 points above Thayer County's 56%.
Housing in Davenport breaks down to 100% single-family homes.
In Davenport, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Davenport are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 80% of homes in Davenport are primarily heated with natural gas.
Thayer County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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 | $87,800 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 74% |
| 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)