Home Insurance in Waco, Nebraska
The median home value in Waco is $138,800, 27% lower than the York County median.
The typical home in Waco was built around 1968. About 31% of homes were built before 1960, about 12 points below York County's 43%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Waco is 82% single-family homes and 18% mobile or manufactured homes.
In Waco, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 99% of occupied homes in Waco are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in Waco are primarily heated with natural gas.
What's the biggest home insurance risk near Waco? FEMA's National Risk Index points to hail (Relatively High) in York County and 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.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $138,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)