Nebraska Homeowners Insurance

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

U.S. Treasury FIO data for 288 ZIP codes in Nebraska (NE).

Homeowners in Nebraska pay an average of $2,473 per year for home insurance — 39% above the national average of $1,776. That ranks Nebraska as the 5th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 11.5%; loss ratios above 100% indicate insurers paid more in claims than they collected — a leading indicator of future rate increases; nonrenewal rates climbed by 155.9% over the same period.

On five-year premium growth (2018–2022), Nebraska ranks 11th out of 51 states. Its nonrenewal rate (2.59%) ranks 2nd out of 50 — nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

Source: U.S. Department of the Treasury, Federal Insurance Office — "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for caveats.

Avg Premium

$2,473/yr

National avg: $1,776 (+39% above)

Premium Change

+11.5%

2018-2022 change

Avg Loss Ratio

105.5%

Claims paid vs premiums earned

Nonrenewal Rate

2.59%

+155.9% change

Data Snapshot: Nebraska Homeowners Insurance

Nebraska homeowners paid an average of $2,473 per year for home insurance based on U.S. Treasury FIO data covering 288 ZIP codes across the state. That is 39% above the national average of $1,776 per year reported by the Federal Insurance Office. Nebraska ranks 5th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,632 in 69044 to $4,434 in 68461.

Between 2018 and 2022, average premiums rose by 11.5% in Nebraska, placing the state 11th nationally on five-year premium growth. The state-level loss ratio averaged 105.5%, meaning insurers paid out more in claims than they collected in premiums, a leading indicator of future rate increases. Nonrenewal rates — the share of policies insurers decline to extend at expiration — averaged 2.59%, a climb of 155.9% over the study period (ranking 2nd out of 50 states).

Within Nebraska, premium dispersion across ZIP codes is substantial: the most expensive ZIP (68461 in Walton) charges 172% more than the least expensive (69044 in Trenton), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.

Loss Ratio Reading: Nebraska

Nebraska statewide — FIO 2018-2022 average: 106% (Underwriting loss) — paid out more than collected — rate increases virtually guaranteed.

ZIP Codes Tracked

288

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$2,218	$2,190	57.4%	8.52%	1.01%
2019	$2,284 (+3.0%)	$2,253	64.6%	10.63%	0.91%
2020	$2,286 (+0.1%)	$2,239	47.3%	8.18%	1.15%
2021	$2,395 (+4.8%)	$2,350	43.2%	7.37%	1.53%
2022	$2,473 (+3.3%)	$2,434	105.5%	15.58%	2.59%

Average Premium by Year

$2,218

2018

$2,284

2019

$2,286

2020

$2,395

2021

$2,473

2022

Most Expensive ZIP Codes in Nebraska

Most Affordable ZIP Codes in Nebraska

All ZIP Codes in Nebraska

288 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
68461	Walton	$4,434	33.1%	3.77%	N/A
68069	Waterloo	$3,691	271.6%	20.75%	3.22%
68118	Omaha	$3,392	50.7%	8.03%	3.35%
68064	Valley	$3,298	57.3%	10.88%	4.23%
68023	Fort Calhoun	$3,275	24.6%	4.45%	3.13%
68339	Denton	$3,245	34.9%	5.73%	1.43%
68130	Omaha	$3,240	54.4%	9.40%	3.16%
68154	Omaha	$3,238	32.0%	6.22%	2.43%
68832	Doniphan	$3,231	102.8%	22.71%	3.98%
68768	Pilger	$3,206	90.9%	13.89%	1.39%
68114	Omaha	$3,200	51.5%	8.28%	2.50%
68132	Omaha	$3,198	47.6%	7.42%	1.93%
68430	Roca	$3,194	14.2%	3.00%	2.76%
68520	Lincoln	$3,181	6.3%	2.43%	2.70%
68152	Omaha	$3,164	21.1%	4.41%	2.29%
68003	Ashland	$3,161	20.7%	4.83%	4.01%
68058	South Bend	$3,150	146.4%	10.83%	3.33%
68022	Elkhorn	$3,104	25.5%	4.53%	3.86%
68008	Blair	$3,079	17.2%	3.03%	2.62%
68037	Louisville	$3,046	72.2%	7.01%	1.75%
68034	Kennard	$3,010	9.2%	4.55%	N/A
68532	Lincoln	$2,993	4.4%	2.68%	2.01%
68428	Raymond	$2,982	132.4%	17.46%	1.59%
68124	Omaha	$2,979	201.1%	37.04%	2.65%
68029	Herman	$2,978	41.9%	6.14%	0.88%
68059	Springfield	$2,978	32.0%	3.55%	1.65%
68407	Murdock	$2,954	227.9%	29.84%	1.61%
68824	Cairo	$2,948	228.0%	32.89%	2.63%
68517	Lincoln	$2,935	456.4%	40.00%	N/A
68073	Yutan	$2,926	36.2%	7.86%	3.49%
68423	Pleasant Dale	$2,924	88.9%	15.87%	3.17%
68523	Lincoln	$2,906	22.1%	5.45%	2.04%
68404	Martell	$2,904	50.7%	7.78%	1.20%
68116	Omaha	$2,897	34.9%	6.34%	3.27%
68028	Gretna	$2,881	26.0%	4.12%	3.25%
68336	Davey	$2,866	464.8%	50.65%	1.30%
68872	Saint Libory	$2,856	15.0%	2.99%	2.99%
68133	Papillion	$2,855	25.9%	4.04%	2.62%
68007	Bennington	$2,851	25.3%	4.02%	3.43%
68135	Omaha	$2,846	20.2%	3.35%	3.02%
68347	Eagle	$2,830	154.6%	29.18%	1.78%
68941	Glenvil	$2,819	68.7%	14.77%	N/A
68002	Arlington	$2,818	8.8%	3.12%	1.25%
68142	Omaha	$2,809	40.1%	4.86%	3.41%
68358	Firth	$2,798	35.6%	8.87%	2.45%
68526	Lincoln	$2,797	4.7%	1.86%	2.65%
68865	Phillips	$2,789	32.9%	6.58%	N/A
68955	Juniata	$2,779	125.5%	25.81%	3.81%
68136	Omaha	$2,778	8.6%	2.24%	2.87%
68741	Hubbard	$2,775	32.5%	12.33%	N/A
68402	Malcolm	$2,773	364.1%	20.90%	0.82%
68041	Mead	$2,733	53.4%	10.62%	0.88%
68044	Nickerson	$2,730	13.1%	4.81%	0.96%
68621	Ames	$2,718	54.7%	10.00%	1.67%
69127	Brule	$2,714	13.6%	2.98%	1.79%
68883	Wood River	$2,703	525.4%	69.08%	4.35%
68360	Garland	$2,702	694.3%	70.45%	N/A
68827	Chapman	$2,697	37.7%	5.80%	2.90%
68046	Papillion	$2,696	28.3%	3.84%	2.31%
68854	Marquette	$2,692	55.8%	12.32%	1.45%
68743	Jackson	$2,685	295.8%	49.48%	1.03%
68048	Plattsmouth	$2,675	57.8%	10.11%	2.04%
68642	Humphrey	$2,674	30.0%	7.02%	3.51%
68791	Wisner	$2,673	6.3%	1.69%	3.95%
68845	Kearney	$2,668	46.3%	8.23%	3.21%
68648	Morse Bluff	$2,667	42.8%	5.48%	2.74%
68112	Omaha	$2,667	29.7%	5.02%	1.43%
68863	Overton	$2,666	136.8%	15.83%	1.44%
69025	Curtis	$2,665	95.1%	21.43%	5.56%
69357	Mitchell	$2,657	15.7%	4.43%	2.62%
68065	Valparaiso	$2,655	753.3%	74.82%	1.44%
68653	Platte Center	$2,654	86.1%	18.57%	5.71%
68131	Omaha	$2,651	21.1%	3.23%	1.73%
68164	Omaha	$2,648	21.1%	3.93%	2.41%
68015	Cedar Bluffs	$2,632	25.7%	7.69%	1.71%
69033	Imperial	$2,631	333.4%	57.89%	1.55%
68628	Clarks	$2,629	47.0%	6.61%	N/A
68758	Newman Grove	$2,627	28.6%	7.92%	2.97%
68413	Nehawka	$2,626	41.6%	10.53%	5.26%
68939	Franklin	$2,622	33.3%	11.84%	2.63%
68949	Holdrege	$2,618	26.4%	6.65%	3.28%
68317	Bennet	$2,617	15.9%	2.89%	1.45%
68801	Grand Island	$2,617	22.5%	4.61%	2.16%
68031	Hooper	$2,615	28.1%	6.37%	1.47%
68933	Clay Center	$2,614	75.8%	14.66%	1.72%
68512	Lincoln	$2,599	16.4%	2.96%	2.17%
68937	Elwood	$2,598	17.8%	5.60%	1.40%
68123	Bellevue	$2,592	30.2%	6.88%	1.78%
68122	Omaha	$2,591	25.0%	3.47%	2.15%
68840	Gibbon	$2,591	77.8%	18.18%	4.11%
68803	Grand Island	$2,579	18.8%	4.45%	2.29%
69334	Bayard	$2,563	56.8%	6.12%	0.36%
69143	Hershey	$2,558	49.8%	8.82%	1.68%
68944	Harvard	$2,553	28.4%	10.71%	1.79%
68349	Elmwood	$2,550	179.3%	24.87%	3.55%
69341	Gering	$2,547	24.9%	5.16%	2.08%
68401	Mc Cool Junction	$2,546	792.3%	93.00%	4.00%
68831	Dannebrog	$2,538	37.0%	3.66%	1.22%
68876	Shelton	$2,538	773.6%	79.29%	2.02%
68359	Friend	$2,537	67.1%	8.40%	0.84%
68836	Elm Creek	$2,536	110.4%	15.96%	2.82%
68144	Omaha	$2,534	54.4%	7.86%	2.69%
68979	Sutton	$2,532	26.5%	7.06%	2.94%
69101	North Platte	$2,530	23.1%	5.78%	2.25%
69348	Hemingford	$2,529	42.8%	11.96%	3.80%
68366	Greenwood	$2,526	230.4%	34.68%	1.73%
68045	Oakland	$2,524	17.9%	6.64%	0.44%
68779	Stanton	$2,523	6.0%	1.06%	2.66%
68409	Murray	$2,523	126.2%	22.28%	2.17%
68810	Alda	$2,507	178.3%	17.35%	N/A
68030	Homer	$2,507	9.9%	6.45%	1.61%
68959	Minden	$2,506	122.4%	24.68%	5.16%
68527	Lincoln	$2,501	31.8%	4.69%	3.60%
68869	Ravenna	$2,497	706.5%	84.62%	3.08%
68307	Avoca	$2,496	13.9%	5.71%	N/A
68870	Riverdale	$2,493	97.6%	9.41%	4.71%
68066	Wahoo	$2,492	75.3%	9.94%	2.27%
68333	Crete	$2,484	73.6%	5.24%	1.84%
68351	Exeter	$2,473	1.2%	3.70%	3.70%
68822	Broken Bow	$2,472	22.3%	7.10%	1.96%
68372	Hickman	$2,471	49.2%	8.26%	2.92%
68016	Cedar Creek	$2,470	19.1%	1.78%	2.22%
68128	La Vista	$2,466	34.0%	6.60%	2.25%
68715	Battle Creek	$2,465	17.4%	6.25%	2.88%
69361	Scottsbluff	$2,464	29.9%	4.99%	2.20%
68025	Fremont	$2,463	23.6%	3.55%	2.84%
68847	Kearney	$2,462	37.2%	8.83%	2.63%
69165	Sutherland	$2,461	9.4%	3.85%	2.10%
68341	De Witt	$2,461	387.8%	44.04%	0.92%
68331	Cortland	$2,456	158.5%	12.58%	2.65%
69151	Maxwell	$2,456	126.8%	6.78%	0.85%
68767	Pierce	$2,455	63.8%	14.56%	1.53%
68818	Aurora	$2,454	216.3%	42.95%	3.65%
68649	North Bend	$2,453	122.6%	19.45%	4.44%
68866	Pleasanton	$2,453	63.9%	9.76%	3.05%
68422	Pickrell	$2,451	118.1%	7.69%	3.85%
69024	Culbertson	$2,451	61.2%	18.31%	2.82%
68017	Ceresco	$2,448	655.8%	66.21%	6.85%
68626	Brainard	$2,442	62.4%	12.12%	4.55%
68301	Adams	$2,441	69.8%	12.50%	3.57%
69123	Brady	$2,441	321.9%	57.40%	2.24%
68371	Henderson	$2,440	947.1%	88.89%	N/A
68127	Omaha	$2,437	178.2%	32.86%	2.03%
68731	Dakota City	$2,435	19.2%	6.33%	1.81%
69001	Mc Cook	$2,432	63.4%	7.23%	4.69%
69129	Chappell	$2,431	28.9%	5.02%	2.51%
68454	Unadilla	$2,430	64.5%	13.04%	1.74%
69356	Minatare	$2,429	44.5%	5.49%	0.73%
69145	Kimball	$2,423	23.0%	4.49%	2.73%
68313	Beaver Crossing	$2,421	10.8%	3.33%	5.56%
68405	Milford	$2,418	44.8%	7.71%	2.57%
68370	Hebron	$2,412	17.3%	5.26%	1.50%
69138	Gothenburg	$2,411	23.6%	6.66%	2.22%
68421	Peru	$2,407	5.6%	2.13%	3.19%
68343	Dorchester	$2,405	31.2%	10.71%	2.38%
68455	Union	$2,405	83.5%	11.81%	1.27%
69201	Valentine	$2,405	13.5%	3.33%	3.33%
68105	Omaha	$2,404	510.4%	74.37%	2.41%
68446	Syracuse	$2,403	43.3%	10.39%	1.30%
68061	Tekamah	$2,398	27.8%	10.68%	2.91%
68110	Omaha	$2,396	40.6%	4.76%	2.88%
69140	Grant	$2,391	35.0%	10.24%	1.95%
69162	Sidney	$2,390	106.3%	16.48%	1.46%
68354	Fairmont	$2,389	46.6%	5.43%	3.26%
68005	Bellevue	$2,388	43.6%	8.05%	1.59%
68730	Crofton	$2,388	22.4%	4.03%	2.01%
68361	Geneva	$2,387	24.2%	6.09%	2.88%
68456	Utica	$2,387	826.9%	87.20%	4.80%
68901	Hastings	$2,384	480.3%	76.65%	3.33%
68924	Axtell	$2,381	69.9%	14.46%	1.81%
68137	Omaha	$2,376	19.8%	4.53%	2.11%
69301	Alliance	$2,376	128.2%	20.28%	3.08%
68956	Kenesaw	$2,374	57.8%	13.74%	3.05%
68467	York	$2,373	722.9%	86.33%	2.13%
68434	Seward	$2,372	783.4%	91.55%	1.88%
69358	Morrill	$2,369	10.2%	3.11%	2.08%
68465	Wilber	$2,364	51.7%	11.82%	2.96%
68701	Norfolk	$2,363	30.4%	3.59%	2.48%
68463	Weeping Water	$2,351	32.8%	7.14%	1.26%
68310	Beatrice	$2,351	413.0%	66.92%	1.98%
68740	Hoskins	$2,349	40.2%	4.69%	1.56%
68138	Omaha	$2,345	13.6%	3.28%	2.10%
68134	Omaha	$2,341	25.2%	4.17%	2.22%
68745	Laurel	$2,340	62.7%	10.43%	1.74%
68516	Lincoln	$2,340	20.5%	3.47%	2.51%
68770	Ponca	$2,335	40.0%	5.45%	4.24%
68108	Omaha	$2,334	291.9%	43.78%	1.98%
68930	Blue Hill	$2,333	101.7%	19.05%	3.57%
69021	Benkelman	$2,330	20.3%	6.80%	2.91%
68466	Wymore	$2,329	202.6%	22.51%	2.62%
68418	Palmyra	$2,328	62.8%	8.79%	2.93%
68376	Humboldt	$2,326	70.7%	12.24%	3.06%
68920	Alma	$2,319	212.0%	37.50%	2.63%
68368	Hallam	$2,306	207.1%	37.93%	2.30%
68460	Waco	$2,304	529.3%	76.47%	1.47%
68305	Auburn	$2,301	408.9%	66.67%	2.04%
68661	Schuyler	$2,298	15.5%	3.66%	2.64%
68057	Scribner	$2,297	42.0%	5.05%	3.03%
68620	Albion	$2,295	403.9%	51.48%	2.07%
69153	Ogallala	$2,294	50.7%	7.61%	2.06%
68601	Columbus	$2,294	33.2%	6.84%	3.88%
68873	Saint Paul	$2,291	26.4%	6.95%	2.73%
68147	Bellevue	$2,285	65.3%	12.49%	1.76%
68733	Emerson	$2,282	16.2%	4.46%	6.25%
68355	Falls City	$2,282	75.0%	13.30%	2.35%
69034	Indianola	$2,276	463.7%	66.33%	2.04%
68450	Tecumseh	$2,274	64.0%	17.79%	1.84%
68632	David City	$2,271	159.7%	27.12%	1.48%
68157	Omaha	$2,270	75.3%	13.96%	2.30%
68662	Shelby	$2,266	121.7%	9.17%	3.67%
68710	Allen	$2,264	11.7%	4.76%	4.76%
69149	Lodgepole	$2,263	47.2%	13.27%	2.04%
68864	Palmer	$2,261	35.4%	6.32%	7.37%
68106	Omaha	$2,259	447.5%	64.28%	2.25%
68502	Lincoln	$2,254	18.5%	4.00%	2.05%
68443	Sterling	$2,252	43.1%	9.09%	1.65%
68104	Omaha	$2,242	28.4%	4.68%	2.38%
68111	Omaha	$2,242	20.9%	4.52%	2.55%
68776	South Sioux City	$2,239	13.9%	2.69%	2.07%
68420	Pawnee City	$2,236	27.6%	16.00%	1.33%
69337	Chadron	$2,235	47.2%	10.90%	2.70%
68038	Lyons	$2,229	50.4%	9.86%	4.23%
68410	Nebraska City	$2,228	41.4%	7.28%	2.86%
68666	Stromsburg	$2,227	88.4%	6.63%	2.04%
68739	Hartington	$2,221	21.2%	7.92%	1.49%
68107	Omaha	$2,221	441.0%	68.42%	2.80%
68967	Oxford	$2,214	57.8%	7.87%	7.87%
68352	Fairbury	$2,212	34.9%	6.47%	0.68%
69130	Cozad	$2,211	28.3%	8.62%	3.00%
68850	Lexington	$2,207	84.3%	16.27%	2.20%
68640	Genoa	$2,200	809.9%	116.30%	2.22%
68978	Superior	$2,196	14.3%	6.21%	2.76%
68787	Wayne	$2,193	8.9%	3.08%	1.32%
68117	Omaha	$2,187	453.1%	72.47%	2.35%
69040	Palisade	$2,181	7.4%	4.84%	1.61%
68638	Fullerton	$2,181	53.3%	5.85%	2.66%
68781	Tilden	$2,177	12.6%	6.74%	2.25%
68462	Waverly	$2,176	267.1%	36.95%	1.64%
68763	Oneill	$2,173	60.7%	13.75%	4.65%
69155	Paxton	$2,173	32.2%	7.92%	5.94%
69122	Big Springs	$2,164	16.0%	3.85%	2.56%
69336	Bridgeport	$2,164	273.2%	38.26%	2.68%
68748	Madison	$2,164	2.6%	0.61%	4.29%
69045	Wauneta	$2,157	100.0%	19.12%	2.94%
69022	Cambridge	$2,147	58.9%	6.35%	5.82%
68658	Rising City	$2,146	76.9%	13.16%	3.95%
69347	Hay Springs	$2,141	28.1%	7.32%	2.44%
68788	West Point	$2,141	27.9%	6.14%	3.81%
68874	Sargent	$2,133	29.6%	8.96%	1.49%
68769	Plainview	$2,132	23.0%	5.23%	4.07%
68528	Lincoln	$2,131	29.0%	6.22%	2.46%
68970	Red Cloud	$2,128	23.5%	4.00%	5.00%
68826	Central City	$2,126	26.1%	5.72%	1.86%
68922	Arapahoe	$2,117	49.0%	4.23%	2.11%
68624	Bellwood	$2,110	49.8%	11.29%	4.84%
68784	Wakefield	$2,106	17.0%	5.08%	3.05%
68713	Atkinson	$2,096	7.8%	4.41%	2.20%
68756	Neligh	$2,090	18.5%	6.96%	1.74%
68862	Ord	$2,088	98.3%	21.01%	0.72%
68508	Lincoln	$2,087	28.8%	7.91%	1.13%
69147	Lewellen	$2,083	43.0%	3.49%	1.75%
68506	Lincoln	$2,080	14.8%	3.09%	1.59%
68718	Bloomfield	$2,065	62.0%	10.09%	0.92%
68729	Creighton	$2,038	19.9%	4.86%	4.86%
68510	Lincoln	$2,032	20.0%	3.21%	2.00%
68714	Bassett	$2,029	10.7%	2.27%	3.41%
69217	Long Pine	$2,025	6.8%	3.45%	1.15%
69210	Ainsworth	$2,020	22.4%	4.36%	0.67%
68020	Decatur	$2,017	17.8%	9.86%	1.41%
68524	Lincoln	$2,012	25.3%	5.16%	2.41%
69360	Rushville	$1,994	17.3%	3.03%	3.03%
68853	Loup City	$1,980	18.1%	6.48%	2.31%
68823	Burwell	$1,977	91.8%	19.52%	0.68%
69152	Mullen	$1,977	126.1%	20.30%	2.26%
68521	Lincoln	$1,966	65.7%	12.97%	2.04%
68522	Lincoln	$1,962	17.2%	3.20%	2.74%
68505	Lincoln	$1,932	13.8%	4.00%	2.00%
69146	Lemoyne	$1,921	74.3%	9.69%	1.02%
69154	Oshkosh	$1,916	4.5%	2.48%	2.97%
68507	Lincoln	$1,914	20.6%	5.43%	1.56%
69339	Crawford	$1,912	21.9%	0.70%	2.82%
69343	Gordon	$1,911	41.3%	3.06%	4.28%
68503	Lincoln	$1,879	47.2%	4.78%	1.84%
68783	Verdigre	$1,860	207.9%	20.69%	5.75%
68746	Lynch	$1,843	79.2%	17.54%	1.75%
68504	Lincoln	$1,819	35.8%	7.36%	1.88%
68971	Republican City	$1,759	83.2%	10.90%	0.64%
69044	Trenton	$1,632	43.8%	6.62%	2.65%

Nebraska Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Nebraska compares to other states

Related Data for Nebraska

Natural Disaster Risk

FEMA disaster & NOAA storm data for Nebraska

Wildfire Risk Data

USDA wildfire risk assessments for Nebraska

Rental Market Data

HUD fair market rents in Nebraska

Cost of Living

BEA regional price parities across metros

Property Taxes

County property tax rates in Nebraska

Climate Data

NOAA climate normals for Nebraska

Frequently Asked Questions

What is the average homeowners insurance cost in Nebraska? ▼

The average homeowners insurance premium in Nebraska is $2,473 per year, based on U.S. Treasury FIO data covering 288 ZIP codes. This is 39% above the national average of $1,776.

How have insurance premiums changed in Nebraska? ▼

Nebraska homeowners insurance premiums changed by +11.5% between 2018 and 2022. The average loss ratio is 105.5%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Nebraska? ▼

The most expensive ZIP code for homeowners insurance in Nebraska is 68461, with an average premium of $4,434/yr. The most affordable is 69044 at $1,632/yr.

What is the nonrenewal rate for Nebraska homeowners insurance? ▼

The average nonrenewal rate in Nebraska is 2.59%. This rate has changed by +155.9% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 68967 has the highest nonrenewal rate in the state at 7.87%.

What is a loss ratio and what does Nebraska's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Nebraska's average loss ratio is 105.5%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Nebraska? ▼

The average claim frequency in Nebraska is 15.58%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $14,688. Higher claim frequency and severity typically correlate with higher premiums.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainInsure Editorial

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

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