Home Insurance in Washington County, Nebraska
The median home value in Washington County is $297,600, 25% higher than the Nebraska median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Washington County was built around 1976. About 32% of homes were built before 1960, in line with Nebraska (32%).
In Washington County, the housing stock is 85% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 65% of owner-occupied homes in Washington County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Washington County are owner-occupied.
In Washington County, 45% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Washington County's top hazards are wildfire (Relatively Low), hail (Relatively Moderate) and tornado (Relatively Moderate).
As of September 2026, Washington County has 64 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $297,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 64 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)