Home Insurance in Thurston County, Nebraska
With a median home value of $114,600, Thurston County is 52% lower than the Nebraska median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Thurston County was built around 1970. About 41% of homes were built before 1960, about 9 points above Nebraska's 32%.
The housing stock in Thurston County is 83% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Thurston County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Thurston County are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Thurston County are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively Low), hail (Relatively Moderate) and tornado (Relatively Low) as the leading hazards for Thurston County.
Thurston County had 2 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $114,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)