Home Insurance in Rosalie, Nebraska
With a median home value of $44,400, Rosalie is 61% lower 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 median home in Rosalie was built in 1939 or earlier. About 76% of homes were built before 1960, about 35 points above Thurston County's 41%.
In Rosalie, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
About 26% of owner-occupied homes in Rosalie have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rosalie has an owner-occupancy rate of 84% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Rosalie, 78% of homes are primarily heated with natural gas.
Thurston County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Thurston 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 | $44,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)