HomeInsuranceQts

Home Insurance in Sholes, Nebraska

The median home in Sholes 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 58% of homes were built before 1960, about 16 points above Wayne County's 42%.

The housing stock in Sholes is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

Almost no owner-occupied homes in Sholes carry a mortgage.

All occupied homes in Sholes are owner-occupied. The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

57% of homes in Sholes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

FEMA rates Wayne County's overall risk as Very Low, led by hail (Relatively Moderate). Wayne County had 2 active NFIP flood policies as of September 2026. See the full Wayne 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 year built1939 or earlier
Owner-occupied share100%
Share of owner-occupied homes with a mortgage0%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Wayne County2
Home insurance premium$2,142 - statewide average (NAIC, 2023 data)
Key home insurance figures for Sholes, NE

Nearby towns

Sources

Data last updated: 2026-09-29