Home Insurance in Kennard, Nebraska
The median home value in Kennard is $189,500, 36% lower than the Washington County median.
The median home in Kennard was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 64% of homes were built before 1960, about 32 points above Washington County's 32%.
In Kennard, the housing stock is 100% single-family homes.
In Kennard, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kennard has an owner-occupancy rate of 83% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 46% of homes in Kennard are primarily heated with electricity.
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.
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 | $189,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)