Home Insurance in Thedford, Nebraska
The median home value in Thedford is $84,000, 23% lower than the Thomas County median.
The typical home in Thedford was built around 1953. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 60% of homes were built before 1960, about 10 points above Thomas County's 50%.
The housing stock in Thedford is 98% single-family homes and 2% apartments in buildings with 5+ units.
18% of owner-occupied homes in Thedford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Thedford are owner-occupied.
Most homes in Thedford - 72% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Thomas County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Very Low). See the full Thomas 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 | $84,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Wildfire (Very Low) |
| 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)