Home Insurance in Arcadia, Nebraska
With a median home value of $115,400, Arcadia is 25% lower than the Valley County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Arcadia was built around 1940. About 70% of homes were built before 1960, about 20 points above Valley County's 49%.
The housing stock in Arcadia is 90% single-family homes, 5% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Arcadia, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Arcadia has an owner-occupancy rate of 78% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
Most homes in Arcadia - 56% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Valley County's overall risk as Very Low, led by hail (Relatively High). Valley County had 5 active NFIP flood policies as of September 2026. See the full Valley 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 | $115,400 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Valley County | 5 |
| 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)