Home Insurance in Lushton, Nebraska
The median home value in Lushton is $55,000, 71% lower than the York County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lushton was built around 1974. About 22% of homes were built before 1960, about 20 points below York County's 43%.
The housing stock in Lushton is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lushton, about 11% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lushton has an owner-occupancy rate of 95% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Most homes in Lushton - 58% - 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.
York County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. York County had 65 active NFIP flood policies as of September 2026. See the full York 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 | $55,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in York County | 65 |
| 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)