Home Insurance in Walthill, Nebraska
The median home value in Walthill is $39,400, 66% lower than the Thurston County median.
The typical home in Walthill was built around 1961. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 47% of homes were built before 1960, about 6 points above Thurston County's 41%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Walthill is 79% single-family homes, 13% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Walthill, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Walthill are owner-occupied.
In Walthill, 71% of homes are primarily heated with natural gas.
Thurston County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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.
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 | $39,400 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)