Home Insurance in Blue Hill, Nebraska
Homes in Blue Hill carry a median value of $166,200 - 41% higher than the Webster County median.
The typical home in Blue Hill was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 16 points below Webster County's 57%.
Housing in Blue Hill breaks down to 86% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
56% of owner-occupied homes in Blue Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Blue Hill has an owner-occupancy rate of 73% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Blue Hill - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Blue Hill? FEMA's National Risk Index points to hail (Relatively High) in Webster County and Webster County had 13 active NFIP flood policies as of September 2026. See the full Webster 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 | $166,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Webster County | 13 |
| 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)