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Flood insurance cost · NE

Flood insurance cost in Nebraska

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,426 home policies in force on August 31, 2026.

NebraskaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$943a year

Half of insured homes paid between $676 and $1,280. That is 13% less than the national median ($1,082). Most insured homes here are rated in zone AE (57%).

$0$676 · $943 · $1,280$1,600
+4.8% vs Aug 31, 2025 (median $900)
5,426home policies in force
$1,055average cost (mean)
80%of insured homes in high-risk zones (A, V)
$201,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Nebraska, county by county.

Cost by flood zone in Nebraska

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$920$688–$1,264$1,0653,089 (57%)+4.5%
Zone A
High risk		$950$652–$1,473$1,144788 (15%)+4.4%
Zone AO
High risk, shallow		$884$680–$1,131$935378 (7%)+5.6%
Zone AH
High risk, shallow		$781$648–$986$83875 (1%)−0.1%
Zone X
Moderate to low risk		$1,078$666–$1,309$1,0171,094 (20%)+10.6%

Not shown (fewer than 10 home policies): VE, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Nebraska, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home5,200$944$1,055
2–4 unit building109$991$1,112
Manufactured (mobile) home91$915$1,111
Condo or apartment unit26$426$631
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		146$1,809$2,572
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,496$1,489$2,045
7,068NFIP policies in force, any building
7,124insured units (condo association policies count every unit)
48%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: Nebraska

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force5,6765,426−4.4%
Median annual cost$900$943+4.8%
Average annual cost$998$1,055+5.7%
All policies in force (any building)7,4107,068−4.6%

Flood claims history

Since 1978, NFIP policyholders in Nebraska have filed 6,069 flood claims. 4,495 received a payment, for a total of $98.4 million (an average of $21,881 per paid claim). The year with the most claims was 2019 (1,165 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 237 claims, 208 paid, $1,230,553 in total1979: 119 claims, 90 paid, $233,637 in total1980: 74 claims, 52 paid, $138,048 in total19801981: 29 claims, 16 paid, $38,520 in total1982: 215 claims, 171 paid, $603,562 in total1983: 120 claims, 62 paid, $171,620 in total1984: 693 claims, 546 paid, $5,431,006 in total19841985: 69 claims, 48 paid, $212,089 in total1986: 83 claims, 51 paid, $152,845 in total1987: 82 claims, 47 paid, $106,730 in total1989: 26 claims, 13 paid, $79,978 in total1990: 107 claims, 83 paid, $511,399 in total19901991: 36 claims, 23 paid, $440,171 in total1992: 40 claims, 18 paid, $118,886 in total1993: 691 claims, 529 paid, $6,349,200 in total19931994: 20 claims1995: 29 claims, 10 paid, $88,742 in total1996: 136 claims, 106 paid, $818,147 in total1997: 107 claims, 87 paid, $1,385,330 in total1998: 50 claims, 30 paid, $248,449 in total1999: 85 claims, 52 paid, $554,335 in total20002001: 35 claims, 19 paid, $112,505 in total2002: 17 claims, 10 paid, $26,370 in total2003: 12 claims, 10 paid, $174,995 in total2004: 18 claims, 15 paid, $296,884 in total2005: 51 claims, 25 paid, $216,254 in total2007: 80 claims, 54 paid, $759,288 in total2008: 202 claims, 150 paid, $1,510,816 in total2010: 377 claims, 300 paid, $7,300,594 in total20102011: 396 claims, 259 paid, $7,762,852 in total2013: 19 claims, 13 paid, $137,388 in total2014: 75 claims, 28 paid, $186,775 in total2015: 265 claims, 175 paid, $4,131,675 in total2016: 103 claims, 59 paid, $301,944 in total2017: 17 claims, 11 paid, $537,617 in total2018: 24 claims, 11 paid, $581,709 in total2019: 1,165 claims, 1,019 paid, $52,595,184 in total20192020: 15 claims20202021: 17 claims2023: 10 claims2024: 69 claims, 47 paid, $1,964,288 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (41)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20246947$1,964,288$41,793
202310<10––
202117<10––
202015<10––
20191,1651,019$52,595,184$51,615
20182411$581,709$52,883
20171711$537,617$48,874
201610359$301,944$5,118
2015265175$4,131,675$23,610
20147528$186,775$6,671
20131913$137,388$10,568
2011396259$7,762,852$29,972
2010377300$7,300,594$24,335
2008202150$1,510,816$10,072
20078054$759,288$14,061
20055125$216,254$8,650
20041815$296,884$19,792
20031210$174,995$17,500
20021710$26,370$2,637
20013519$112,505$5,921
19998552$554,335$10,660
19985030$248,449$8,282
199710787$1,385,330$15,923
1996136106$818,147$7,718
19952910$88,742$8,874
199420<10––
1993691529$6,349,200$12,002
19924018$118,886$6,605
19913623$440,171$19,138
199010783$511,399$6,161
19892613$79,978$6,152
19878247$106,730$2,271
19868351$152,845$2,997
19856948$212,089$4,419
1984693546$5,431,006$9,947
198312062$171,620$2,768
1982215171$603,562$3,530
19812916$38,520$2,408
19807452$138,048$2,655
197911990$233,637$2,596
1978237208$1,230,553$5,916

From 2016 to 2026: 1,420 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Nebraska

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Adams County70$754
Antelope County16$968
Boone County10$836
Burt County24$1,176
Butler County22$1,334
Cedar County27$1,191
Cuming County20$1,352
Custer County38$700
Dakota County24$1,372
Dawes County12$805
Dixon County21$1,355
Gage County52$1,130
Garden County13$682
Hall County51$1,002
Hamilton County19$1,309
Howard County34$1,057
Johnson County16$858
Kearney County33$870
Keith County14$1,000
Knox County66$1,367
Madison County77$1,123
Merrick County55$1,084
Otoe County15$1,381
Pierce County18$1,241
Polk County16$1,402
Richardson County15$973
Saline County45$860
Seward County17$1,182
Stanton County24$978
Thayer County15$1,722
Washington County35$944
York County54$1,095

ZIP codes with the most insured homes