Home Insurance in Elyria, Nebraska
The median home value in Elyria is $138,900, 10% 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 Elyria was built around 1965. About 45% of homes were built before 1960, about 5 points below Valley County's 49%.
The housing stock in Elyria is 100% single-family homes.
In Elyria, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Elyria are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Elyria, 52% of homes are primarily heated with electricity.
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 | $138,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)