Home Insurance in Ord, Nebraska
With a median home value of $119,800, Ord is 23% lower than the Valley County median.
The typical home in Ord was built around 1963. About 45% of homes were built before 1960, about 4 points below Valley County's 49%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Ord breaks down to 84% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 55% of owner-occupied homes in Ord have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Ord are owner-occupied.
In Ord, 59% of homes are primarily heated with electricity.
Valley County had 5 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Valley 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 | $119,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)