Home Insurance in York, Nebraska
With a median home value of $180,900, York is close to the York County median.
The typical home in York was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 4 points below York County's 43%.
Housing in York breaks down to 71% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In York, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in York are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in York - 53% - are primarily heated with natural gas.
FEMA rates York County's overall risk as Relatively Low, led by hail (Relatively High). 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.
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 | $180,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)