Home Insurance in Washington, Nebraska
Homes in Washington carry a median value of $209,100 - 30% lower than the Washington County median.
The typical home in Washington was built around 1971. 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%.
In Washington, the housing stock is 91% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Washington, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Washington has an owner-occupancy rate of 96% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
59% of homes in Washington are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Washington? FEMA's National Risk Index points to wildfire (Relatively Low) in Washington County and 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 | $209,100 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)