"Nebraska homeowners are facing some of the highest insurance premiums in the Midwest, reflecting the state's exposure to severe weather. While insurance affordability remains manageable in some neighboring states, new data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report show that Nebraska stands out for elevated costs tied to hail, tornadoes, and storms. According to the American Community Survey (ACS) data from the U.S. Census Bureau , Nebraska homeowners with a mortgage typically pay $2,000-$2,499 annually for homeowners insurance, while those without a mortgage average $1,500-$1,999."
"Lenders often require a policy to carry a mortgage, despite these homeowners also carrying the highest median costs. Nebraska has 549,417 insured homeowner households in total-317,524 with a mortgage and 231,893 without. Among mortgaged owners, 30,170 pay less than $100 annually and 42,258 pay $4,000 or more. Among those without a mortgage, 40,222 pay less than $100 and 27,195 pay $4,000 or more."
Nebraska homeowners with a mortgage typically pay $2,000–$2,499 annually for homeowners insurance, while those without a mortgage average $1,500–$1,999. Overall statewide median costs fall in the $2,000–$2,499 range. Lenders often require insurance for mortgaged properties, contributing to higher observed median premiums among those with mortgages. Nebraska has 549,417 insured homeowner households: 317,524 with a mortgage and 231,893 without. Significant subgroups pay extremes—tens of thousands pay under $100 annually and tens of thousands pay $4,000 or more. Nearby Kansas, Oklahoma, and Colorado show similar high costs, while Iowa and Missouri remain more affordable.
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