Flood insurance cost · Sarpy County, NE

Flood insurance cost in Sarpy County, Nebraska

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 539 home policies in force on August 31, 2026.

Sarpy County, NebraskaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,017a year

Half of insured homes paid between $692 and $1,372. That is 8% more than the Nebraska median ($943). Most insured homes here are rated in zone AE (69%).

$0$692 · $1,017 · $1,372$1,715

+6.5% vs Aug 31, 2025 (median $955)

539home policies in force

$1,121average cost (mean)

70%of insured homes in high-risk zones (A, V)

$250,000median 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 Sarpy 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,101	$790–$1,503	$1,233	374 (69%)	+2.8%
Zone X Moderate to low risk	$787	$509–$1,164	$870	162 (30%)	+1.5%

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

Type of building	Policies	Median	Average
Single-family home	536	$1,018	$1,123
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.	12	$1,809	$1,809
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	109	$1,591	$2,474

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit.

660NFIP policies in force, any building

660insured units (condo association policies count every unit)

64%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Sarpy 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, 2025	Aug 31, 2026	Change
Home policies in force	573	539	−5.9%
Median annual cost	$955	$1,017	+6.5%
Average annual cost	$1,052	$1,121	+6.6%
All policies in force (any building)	693	660	−4.8%

How many homes have flood insurance?

0.9%of all homes in Sarpy County have an NFIP policy

36.2%of homes in high-risk zones (special flood hazard area) have one

60,091residential buildings counted by FEMA

1,076of 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 Sarpy County, Nebraska have filed 856 flood claims. 713 received a payment, for a total of $21.5 million (an average of $30,171 per paid claim). The year with the most claims was 1993 (212 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (13)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2019	207	193	$14,670,340	$76,012
2014	10	<10	–	–
2011	22	16	$790,572	$49,411
2010	33	31	$578,113	$18,649
1997	15	10	$224,330	$22,433
1996	31	30	$331,936	$11,065
1993	212	181	$3,036,960	$16,779
1990	24	18	$126,181	$7,010
1984	129	108	$1,161,886	$10,758
1983	12	10	$15,045	$1,504
1982	31	23	$116,188	$5,052
1979	19	15	$38,961	$2,597
1978	35	30	$125,833	$4,194

From 2016 to 2026: 207 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.

Main NFIP communities in the county

Unincorporated Sarpy County (386 home policies) · Bellevue (83 home policies) · Papillion (56 home policies)