Homeowners insurance in Nebraska: premium by ZIP code
Nebraska insurers declined to renew 2.30% of policies in the median ZIP code in 2022, the highest rate of any state.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Nebraska (median ZIP code)
$2,434
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $3,242.
| Change from 2018 to 2022, after inflation | +11.1% |
| Premium per policy in 2018 | $2,190 |
| Premium per policy in 2022 | $2,434 |
| 2022 premium carried to September 2026 (BLS index) | $3,242 |
| Policies not renewed by the insurer, 2022 | 2.30% |
| Claims paid per 100 policies, yearly average | 7.4 |
| Average claim paid, 2018 to 2022 (adjusted) | $13,881 |
| Cancelled for nonpayment, 2022 | 1.29% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 288 ZIP codes in 82 counties of Nebraska in the Treasury file · not a quote
Nebraska had the highest nonrenewal rate in the Treasury file in 2022: insurers declined to renew 2.30% of homeowners policies in the median ZIP code, up from 0.48% in 2019, and in 57% of Nebraska ZIP codes the rate was above the line that marks the top tenth nationally. Premiums were high too: the median ZIP code paid $2,434 per policy, ranked 5 of 51, after a rise of +13.8% after inflation. Even the cheapest tenth of ZIP codes paid over $2,088, more than the national median of $1,551. Hail is the reason. Paid claims ran at 7.4 per 100 policies a year and reached 7.5 in 2022. Douglas County, Omaha, paid $2,659; Sarpy County rose +22.9%. Nebraska has no FAIR plan for homes. The data stop in 2022.
Nonrenewals on the Plains
Nebraska's median nonrenewal rate went 0.61%, 0.48%, 0.88%, 1.28%, 2.30% from 2018 to 2022. That is not one insurer leaving: the rate rose in most of the state's ZIP codes at once. Insurers in hail country tighten their rules on roof age and condition when losses climb, and a roof that would have renewed a few years earlier is declined. The file does not give reasons, but the pattern, with claims rising in the same years, fits that account. The nonrenewal page explains the notice and the options.
Nebraska: odds of a nonrenewal ahead
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Chance of at least one nonrenewal in 5 renewals, Nebraska
11.0%
| Median ZIP rate in 2018 | 0.61% |
| National median ZIP, 2022 | 0.85% |
| Same horizon at the national rate | 4.2% |
| Nebraska rank, 51 = lowest | 1 of 51 |
Omaha and Lincoln
Douglas County had 30 ZIP codes in the file and a median of $2,659 in 2022, up +16.6% after inflation. Lancaster County, Lincoln, paid $2,486 after +17.1%; Sarpy County, south of Omaha, $2,592 after +22.9%; and Cass County $2,550. The dearest ZIP codes were 68461 in Lancaster County at $4,434 and 68069 in Douglas County at $3,691. The cheapest were in the southwest, 69044 in Hitchcock County at $1,632, still above the national median.
Hail and the 2022 jump
Paid claims held near 5.3 per 100 policies from 2018 to 2021, then rose to 7.5 in 2022; the paid loss ratio rose from 26% to 42%. The average claim, $13,881, is typical of roof and siding repairs. Nebraska policies commonly carry a percentage wind and hail deductible, and many settle older roofs at actual cash value; the roof claim calculator shows the effect on a payment.
Where a declined home goes
Nebraska has no residual market plan for homes listed in the Treasury report. A home that admitted insurers will not renew is placed with a surplus lines insurer through an agent, usually at a higher price. Replacing an old roof with impact-resistant shingles is often what brings admitted insurers back. The Nebraska Department of Insurance handles complaints.
Nebraska, year by year
| Year | Nebraska median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $2,190 | $1,445 | 0.61% | 5.3 | 32% |
| 2019 | $2,253 | $1,469 | 0.48% | 5.1 | 30% |
| 2020 | $2,239 | $1,491 | 0.88% | 4.8 | 26% |
| 2021 | $2,350 | $1,521 | 1.28% | 5.1 | 26% |
| 2022 | $2,434 | $1,551 | 2.30% | 7.5 | 42% |
The Nebraska counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Lancaster County | 32 | $2,102 | $2,486 | +17.1% | 2.01% | $15,444 |
| Douglas County | 30 | $2,318 | $2,659 | +16.6% | 2.47% | $16,915 |
| Cass County | 13 | $2,294 | $2,550 | +16.9% | 1.78% | $19,829 |
| Sarpy County | 11 | $2,142 | $2,592 | +22.9% | 2.25% | $14,413 |
| Buffalo County | 8 | $2,328 | $2,517 | +7.8% | 3.06% | $13,224 |
| Saunders County | 8 | $2,158 | $2,661 | +23.9% | 2.51% | $20,398 |
| Dodge County | 6 | $2,155 | $2,539 | +14.6% | 2.26% | $13,782 |
| Gage County | 6 | $2,278 | $2,446 | +8.1% | 2.63% | $14,923 |
Highest and lowest premiums per policy, Nebraska ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 68461 | Lancaster County | $4,434 | +21.7% | 0.00% |
| 68069 | Douglas County | $3,691 | +14.9% | 3.22% |
| 68118 | Douglas County | $3,392 | +14.8% | 3.35% |
| 68064 | Douglas County | $3,298 | +26.9% | 4.23% |
| 68023 | Washington County | $3,275 | +18.3% | 3.13% |
| 69044 | Hitchcock County | $1,632 | -30.4% | 2.65% |
| 68971 | Harlan County | $1,759 | -6.9% | 0.64% |
| 68504 | Lancaster County | $1,819 | +16.4% | 1.88% |
| 68746 | Boyd County | $1,843 | +2.4% | 1.75% |
| 68783 | Knox County | $1,860 | +17.3% | 5.75% |