Home Insurance in Hebron, Nebraska
With a median home value of $139,100, Hebron is 13% higher 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 Hebron was built around 1960. About 50% of homes were built before 1960, about 6 points below Thayer County's 56%.
Housing in Hebron breaks down to 92% single-family homes and 4% apartments in buildings with 5+ units.
About 45% of owner-occupied homes in Hebron have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Hebron are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hebron, 62% 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Nebraska carries a statewide average premium of $2,142 per year.
Key figures
| Median home value | $139,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)