Home Insurance in Pender, Nebraska
The median home value in Pender is $175,000, 53% higher than the Thurston 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 Pender was built around 1955. About 57% of homes were built before 1960, about 16 points above Thurston County's 41%.
The housing stock in Pender is 89% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 42% of owner-occupied homes in Pender have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pender has an owner-occupancy rate of 79% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
80% of homes in Pender are primarily heated with natural gas.
What's the biggest home insurance risk near Pender? FEMA's National Risk Index points to wildfire (Relatively Low) in Thurston County and Thurston County had 2 active NFIP flood policies as of September 2026. See the full Thurston County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $175,000 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Thurston County | 2 |
| 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)