ZIP 68371 Insurance Data

Data Snapshot: ZIP 68371 (Henderson, NE)

ZIP 68371 (Henderson, NE) shows an average homeowners insurance premium of $2,440 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 7 reported policies. That is 37% above the national average of $1,776 per year, placing this ZIP in the 88th percentile nationally. Compared to the Nebraska state average of $2,473, this ZIP runs 1% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 68371 is 947.1%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 88.89%, and the average claim severity (amount paid per claim) is $25,994.

Across 5 years (2018–2022), premiums in ZIP 68371 have risen by 8.6%, ranging from $2,159 to $2,440 with a five-year average of $2,294 — an annualized rate of +2.1% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.