Home Insurance in Red Cloud, Nebraska
With a median home value of $74,200, Red Cloud is 37% lower than the Webster County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Red Cloud was built around 1948. About 62% of homes were built before 1960, about 5 points above Webster County's 57%.
In Red Cloud, the housing stock is 83% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Red Cloud, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Red Cloud are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Red Cloud, 78% of homes are primarily heated with natural gas.
Webster County had 13 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Webster 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 | $74,200 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)