Home Insurance in Arlington, Nebraska
Homes in Arlington carry a median value of $225,400 - 24% lower than the Washington County median.
The typical home in Arlington was built around 1974. About 28% of homes were built before 1960, about 4 points below Washington County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Arlington, the housing stock is 92% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 66% of owner-occupied homes in Arlington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Arlington are owner-occupied.
In Arlington, 76% of homes are primarily heated with natural gas.
Washington County had 64 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Washington 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 | $225,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Washington County | 64 |
| 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)