Flood insurance cost · ZIP 68025 · NE

Flood insurance cost in ZIP 68025 (Fremont, NE)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 640 home policies in force on August 31, 2026.

ZIP code 68025 (Fremont, NE)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$994a year

Half of insured homes paid between $788 and $1,274. That is about the same as the Dodge County median ($986). Most insured homes here are rated in zone AE (60%).

$0$788 · $994 · $1,274$1,592

+3.9% vs Aug 31, 2025 (median $957)

640home policies in force

$1,080average cost (mean)

95%of insured homes in high-risk zones (A, V)

$229,500median 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 ZIP code 68025

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	$989	$778–$1,336	$1,101	383 (60%)	+3.8%
Zone AO High risk, shallow	$978	$778–$1,195	$1,014	220 (34%)	+3.5%
Zone X Moderate to low risk	$1,209	$1,110–$1,382	$1,283	34 (5%)	+13.0%

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 ZIP code 68025, by what they insure.

Type of building	Policies	Median	Average
Single-family home	619	$990	$1,068
2–4 unit building	10	$1,604	$1,654
Manufactured (mobile) home	10	$966	$1,241
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.	17	$1,091	$1,049
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	96	$1,915	$2,497

Not shown (fewer than 10 policies): condo or apartment unit.

753NFIP policies in force, any building

753insured units (condo association policies count every unit)

37%of home policies also cover contents

$56,000median contents coverage, when bought

One year on: ZIP code 68025

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	669	640	−4.3%
Median annual cost	$957	$994	+3.9%
Average annual cost	$1,032	$1,080	+4.7%
All policies in force (any building)	784	753	−4.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 68025 have filed 602 flood claims. 449 received a payment, for a total of $9,094,401 (an average of $20,255 per paid claim). The year with the most claims was 2019 (204 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 (11)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2019	204	181	$6,911,448	$38,185
2016	66	37	$169,755	$4,588
2010	60	47	$687,685	$14,632
1997	19	16	$164,796	$10,300
1996	11	<10	–	–
1993	26	22	$128,849	$5,857
1985	32	23	$129,617	$5,636
1984	50	43	$375,016	$8,721
1983	25	<10	–	–
1982	11	<10	–	–
1978	26	24	$167,037	$6,960

From 2016 to 2026: 270 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.

NFIP communities in this ZIP code

Fremont (501 home policies) · Unincorporated Saunders County (100 home policies) · Unincorporated Dodge County (18 home policies) · Inglewood (18 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.