Home Insurance in Blair, Nebraska
Homes in Blair carry a median value of $221,500 - 26% lower than the Washington County median.
The typical home in Blair was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 12 points above Washington County's 32%.
Housing in Blair breaks down to 73% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 75% of owner-occupied homes in Blair have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Blair are owner-occupied.
77% of homes in Blair are primarily heated with natural gas.
Washington County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Washington County had 64 active NFIP flood policies as of September 2026. See the full Washington 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 | $221,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)