Home Insurance in Fort Calhoun, Nebraska
The median home value in Fort Calhoun is $291,000, close to the Washington County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Fort Calhoun was built around 1983. About 27% of homes were built before 1960, about 6 points below Washington County's 32%.
In Fort Calhoun, the housing stock is 72% single-family homes, 22% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 72% of owner-occupied homes in Fort Calhoun have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fort Calhoun has an owner-occupancy rate of 67% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
69% of homes in Fort Calhoun are primarily heated with natural gas.
FEMA rates Washington County's overall risk as Very Low, led by wildfire (Relatively Low). 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.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $291,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)