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Flood insurance cost · Douglas County, NE

Flood insurance cost in Douglas County, Nebraska

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 824 home policies in force on August 31, 2026.

Douglas County, NebraskaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$880a year

Half of insured homes paid between $651 and $1,180. That is 7% less than the Nebraska median ($943). Most insured homes here are rated in zone AE (65%).

$0$651 · $880 · $1,180$1,475
+4.8% vs Aug 31, 2025 (median $840)
824home policies in force
$978average cost (mean)
76%of insured homes in high-risk zones (A, V)
$240,000median 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.

Cost by flood zone in Douglas County

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		$912$714–$1,207$1,041538 (65%)+3.9%
Zone AO
High risk, shallow		$916$731–$1,096$94676 (9%)+8.1%
Zone X
Moderate to low risk		$734$481–$1,084$823201 (24%)+2.5%

Not shown (fewer than 10 home policies): VE, A, AH, 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 Douglas County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home781$875$979
2–4 unit building21$991$1,115
Manufactured (mobile) home12$980$1,139
Condo or apartment unit10$396$409
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.		43$2,899$3,434
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		370$1,700$2,252
1,237NFIP policies in force, any building
1,253insured units (condo association policies count every unit)
47%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Douglas County

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 force878824−6.2%
Median annual cost$840$880+4.8%
Average annual cost$920$978+6.3%
All policies in force (any building)1,3371,237−7.5%

How many homes have flood insurance?

0.5%of all homes in Douglas County have an NFIP policy
17.5%of homes in high-risk zones (special flood hazard area) have one
179,063residential buildings counted by FEMA
3,772of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Douglas County, Nebraska have filed 1,051 flood claims. 799 received a payment, for a total of $14.7 million (an average of $18,339 per paid claim). The year with the most claims was 2019 (224 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 120 claims, 107 paid, $752,328 in total19781979: 45 claims, 37 paid, $96,265 in total1980: 27 claims, 23 paid, $64,846 in total19801982: 66 claims, 50 paid, $127,712 in total1983: 14 claims, 11 paid, $27,687 in total1984: 95 claims, 79 paid, $848,757 in total19841990: 23 claims, 17 paid, $77,150 in total19901991: 13 claims1993: 95 claims, 69 paid, $585,720 in total1997: 15 claims, 14 paid, $153,099 in total1998: 10 claims1999: 42 claims, 27 paid, $233,248 in total20002001: 10 claims2007: 12 claims2008: 23 claims2010: 74 claims, 57 paid, $902,000 in total20102011: 22 claims, 18 paid, $715,104 in total2014: 21 claims2019: 224 claims, 196 paid, $8,402,019 in total201920202024: 20 claims, 12 paid, $724,438 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242012$724,438$60,370
2019224196$8,402,019$42,867
201421<10––
20112218$715,104$39,728
20107457$902,000$15,825
200823<10––
200712<10––
200110<10––
19994227$233,248$8,639
199810<10––
19971514$153,099$10,936
19939569$585,720$8,489
199113<10––
19902317$77,150$4,538
19849579$848,757$10,744
19831411$27,687$2,517
19826650$127,712$2,554
19802723$64,846$2,819
19794537$96,265$2,602
1978120107$752,328$7,031

From 2016 to 2026: 244 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.

ZIP codes in Douglas County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Omaha (399 home policies) · Valley (317 home policies) · Unincorporated Douglas County (96 home policies)