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Homeowners insurance in Nebraska costs $6,015 a year on average in 2026 for a $400,000 dwelling policy, according to NerdWallet, or about $501 a month. That makes Nebraska the second most expensive state in the country for home insurance. Other datasets put the same state average anywhere from $4,444 to $6,277 a year, because they price different houses with different methods. This guide lays out what each dataset actually measures, what Nebraska homeowners pay by city and carrier, and what moves your own premium.
The spread between sources is worth understanding before you shop. NerdWallet prices a $400,000 dwelling for a 40 year old homeowner with good credit. InsuranceQuotes prices one sample house, a 2,000 square foot wood frame home built in 1997 and insured for $300,000, and quotes it in all 85 Nebraska ZIP codes in its data. MoneyGeek prices a smaller $250,000 dwelling. ValuePenguin prices a $350,000 dwelling. A bigger house costs more to insure, so the $400,000 figures run higher by design. None of these numbers is wrong. They answer slightly different questions.
How fast have Nebraska home insurance rates risen?
Nebraska rates have risen sharply for three straight years. ValuePenguin reports rates went up 7 percent in 2025, which was considerably less than the year before. In 2024, rates in Nebraska went up by nearly 23 percent, up from around 15 percent in 2023. A homeowner who paid $3,500 a year in 2022 would pay roughly $5,300 a year in 2026 at those increases, a jump of about $1,800 a year in four years.
The increases track severe weather losses. Nebraska sits in Tornado Alley, and hailstorms and tornadoes hit the Omaha and Lincoln metros regularly. Each round of storm losses shows up in the next round of filed rates, and carriers have filed increases in consecutive years. The 7 percent rise in 2025 suggests the increases are slowing, but the base is now far higher than it was in 2022. A homeowner who has not shopped since 2022 is likely paying a rate built on three years of compounding increases.
That history is the reason to compare carriers now rather than at the next renewal. The gap between the cheapest and most expensive carrier for the same Nebraska home is wider than the gap between Nebraska and the national average. Shopping is worth more in Nebraska than in most states.
How much is homeowners insurance in Nebraska in 2026?
For a $400,000 dwelling with a $1,000 deductible, Nebraska homeowners pay about $6,015 a year, or $501 a month, according to NerdWallet. That is about $3,525 a year above the national average of $2,490 for the same coverage. For a $300,000 dwelling, the average runs $4,444 to $4,553 a year depending on the dataset.
| Source | Dwelling coverage | Average per year | Average per month | National average in the same study |
|---|---|---|---|---|
| NerdWallet (May 2026) | $400,000 | $6,015 | $501 | $2,490 |
| MoneyGeek (Aug 2026) | $250,000 | $6,277 | $523 | Not published |
| ValuePenguin (Sept 2026) | $350,000 | $4,956 | $413 | Not published |
| Insurance.com (2026) | $300,000 | $4,553 | $379 | Not published |
| InsuranceQuotes (Sept 30, 2026) | $300,000 sample house | $4,444 | $370 | $3,101 |
MoneyGeek prices the smallest house in the table and still reports the highest average, $6,277 a year. That is because MoneyGeek averages the full market, including expensive carriers, while InsuranceQuotes averages only the four insurers it compared for its sample house. The two numbers bracket the real range. A Nebraska homeowner with an expensive carrier can pay close to $6,277 a year for a $250,000 home. A homeowner with a cheap carrier can pay $4,444 a year for a $300,000 home. The carrier matters more than the house.
One more figure puts the study averages in context. The U.S. Census Bureau reports Nebraska homeowners pay an average of $1,869 a year in its American Community Survey data, about 25 percent above the national average of $1,492. That figure counts every policy in force, including older homes with low dwelling limits. Use the study figures to compare companies and the Census figure as a reminder that your own quote depends on your house.
How much is homeowners insurance in Omaha and Lincoln?
Omaha and Lincoln are close in price, and both run below the state average. InsuranceQuotes puts Lincoln lowest among Nebraska cities with at least five ZIP codes, at $348 a month or $4,177 a year, and Omaha highest at $361 a month or $4,332 a year. The gap between the two largest cities is only $13 a month for the same sample house.
| City | Average per month | Average per year | Cheapest carrier there |
|---|---|---|---|
| Lincoln | $348 | $4,177 | USAA, $2,647 a year |
| Omaha | $361 | $4,332 | USAA, $2,440 a year |
| Bellevue | Not published | Not published | USAA, $2,398 a year |
ValuePenguin prices the cities differently, with Omaha at $4,930 a year and Lincoln at $4,510 a year for a $350,000 dwelling. The two datasets disagree by about $600 a year for Omaha, because they price different houses. The ranking is the same in both: Lincoln is cheaper than Omaha, and both are cheaper than the state average.
The cheapest and most expensive ZIP codes in the state are far apart. InsuranceQuotes reports the lowest ZIP code average in South Sioux City at $324 a month, or $3,893 a year, and the highest in Holdrege at $475 a month, or $5,701 a year. That is a $151 a month gap, or $1,808 a year, for the same sample house in the same state. Rural western Nebraska pays more than the Omaha metro, which surprises homeowners who assume city rates are always higher.
Which companies are cheapest for homeowners insurance in Nebraska?
For most Nebraska homeowners, the cheapest widely available carrier is State Farm, followed by American Family and Nationwide. USAA is cheaper than all of them but sells only to military members, veterans, and their families. Farmers Mutual of Nebraska, a regional carrier, is the most expensive in the InsuranceQuotes comparison at $420 a month, which shows that local does not always mean cheap.
| Company | Average per year | Source | Who can buy it |
|---|---|---|---|
| USAA | $2,566 | MoneyGeek ($250,000 dwelling) | Military only |
| State Farm | $2,287 | ValuePenguin ($350,000 dwelling) | Anyone |
| American Family | $2,545 | ValuePenguin ($350,000 dwelling) | Anyone |
| Nationwide | $2,801 | ValuePenguin ($350,000 dwelling) | Anyone |
| Farmers | $3,294 | ValuePenguin ($350,000 dwelling) | Anyone |
| Allstate | $3,995 | InsuranceQuotes (sample house) | Anyone |
The datasets disagree on which carrier is cheapest, and the disagreement is useful. MoneyGeek names USAA cheapest at $2,566 a year for a $250,000 dwelling. ValuePenguin names State Farm cheapest at $2,287 a year for a $350,000 dwelling, with American Family second at $2,545. InsuranceQuotes names Allstate cheapest for its sample house at $333 a month, or $3,995 a year, with State Farm second at $355 a month. No single carrier is cheapest for every profile, which is why three quotes from different carriers are the minimum.
State Farm is the cheapest carrier in 95 percent of Nebraska cities and towns, according to ValuePenguin. Nationwide is cheapest in some places near the western border. MoneyGeek names American Family the best company for most Nebraska homeowners, balancing affordable rates with customer experience, and rates USAA highest overall while ranking it second because of the military restriction.
MoneyGeek puts the saving in plain terms. USAA at $2,566 a year is $3,711 below the state average of $6,277. State Farm at $3,874 a year is $2,403 below the same average. American Family at $3,903 a year is $2,374 below it. A homeowner who pays the state average and switches to any of these three saves more than $2,300 a year.
Why is Nebraska the second most expensive state for home insurance?
Nebraska sits in Tornado Alley, and tornado threats drive up insurance costs across the state. Hailstorms are the most expensive part of the mix. A single hailstorm can damage thousands of roofs in the Omaha metro in one afternoon, and carriers price that frequency into every policy in the state. MoneyGeek names tornado risk as the main reason Nebraska ranks near the top of the national list.
The state also has a wide rural footprint. Homes outside Omaha and Lincoln are farther from fire stations, which raises the fire protection class and the premium. Rural homes also tend to be older, with older roofs that carriers price higher. The Holdrege ZIP code at $475 a month is a small town in Phelps County, and it is the most expensive ZIP code in the state for the InsuranceQuotes sample house.
Roof age matters more in Nebraska than in calmer states. Carriers look hard at roof age and roof material because the roof is the part of the house hail hits first. A roof older than 15 years can push a quote up by hundreds of dollars a year. Our guide to how the age of your roof affects your homeowners insurance rates walks through the age bands carriers use.
What does a Nebraska homeowner actually pay? A worked example
Take a $350,000 home in Omaha with a $1,000 deductible and good credit. ValuePenguin prices the state average for that house at $4,956 a year. State Farm averages $2,287 a year for the same house. The gap is $2,669 a year, or about $222 a month, for identical coverage.
Now add the city effect. ValuePenguin prices Omaha itself at $4,930 a year, almost exactly the state average. MoneyGeek prices USAA in Omaha at $2,440 a year for a $250,000 dwelling. A military family in Omaha with USAA pays roughly half the state average. A civilian family in Omaha with an expensive carrier can pay the full $4,930. The same city, the same size house, and the premium can differ by $2,500 a year depending on the carrier.
The deductible changes the math further. Raising the deductible from $500 to $2,000 typically saves 10 to 20 percent. On a $4,930 Omaha policy, that is $493 to $986 a year. The trade is the out of pocket cost after a storm. Nebraska policies often carry a percentage based wind and hail deductible, so check whether your policy uses one before raising it. Our guide to how credit score affects your homeowners insurance premium explains the other large pricing factor and how much each tier costs.
How to lower your homeowners insurance in Nebraska
Start with three quotes, and include State Farm and American Family alongside your current carrier. State Farm is cheapest in 95 percent of Nebraska cities, and American Family is cheapest for smaller homes. The $2,669 gap between the state average and State Farm for the same $350,000 home is the largest single saving available to a Nebraska homeowner.
Ask about a hail resistant roof discount before your next roof replacement. Class 4 impact resistant roofing cuts the hail claim frequency that drives Nebraska rates, and carriers reward it with the largest single discount available in the Omaha market. If your roof is more than 15 years old, a replacement can pay for itself in premium savings over the life of the roof.
Bundle home and auto with the same carrier. The multi policy discount runs 10 to 25 percent at most carriers. Check whether your carrier offers a discount for a monitored security system, a newer home, or a claims free history. Each one is small on its own, and together they can cut 20 percent or more.
Review the dwelling limit every year. Rebuilding costs have risen faster than home prices in Nebraska, and a limit set five years ago may no longer cover a rebuild. If you are buying your first home, our homeowners insurance costs for first-time buyers guide covers what to budget beyond the premium.
Key takeaways
Homeowners insurance in Nebraska averages $6,015 a year for a $400,000 dwelling on NerdWallet, the second highest in the country, against a $2,490 national average. For a $300,000 dwelling the average runs $4,444 to $4,553 a year. Rates rose 23 percent in 2024 and 7 percent in 2025. Lincoln is the cheapest large city at $348 a month and Omaha runs $361 a month on InsuranceQuotes. State Farm is cheapest for most Nebraska homeowners at $2,287 a year for a $350,000 dwelling, with USAA cheaper still at $2,566 a year for military families. The gap between the state average and the cheapest carrier is about $2,669 a year for the same house.
Frequently asked questions
How much is homeowners insurance in Nebraska per month?
About $501 a month for a $400,000 dwelling, according to NerdWallet, or about $370 to $379 a month for a $300,000 dwelling depending on the dataset. The national average for the same $400,000 coverage is about $208 a month.
What is the cheapest homeowners insurance in Nebraska?
State Farm is cheapest for most Nebraska homeowners at about $2,287 a year for a $350,000 dwelling, according to ValuePenguin, and cheapest in 95 percent of Nebraska cities and towns. USAA is cheaper at $2,566 a year but sells only to military members, veterans, and their families.
Why is homeowners insurance so expensive in Nebraska?
Nebraska sits in Tornado Alley, and tornadoes and large hail drive claim costs well above the national average. Rates rose 23 percent in 2024 and 7 percent in 2025. Rural homes also pay more because they sit farther from fire stations, and older roofs cost more to insure in a hail heavy state.
How much is homeowners insurance in Omaha?
About $361 a month, or $4,332 a year, for the InsuranceQuotes sample house, and about $4,930 a year for a $350,000 dwelling on ValuePenguin. USAA is cheapest in Omaha at $2,440 a year for a $250,000 dwelling, according to MoneyGeek.
Does homeowners insurance in Nebraska cover tornado damage?
Yes. A standard HO-3 policy covers wind damage from tornadoes, including roof and structural damage. Flood damage from the same storm is not covered and needs a separate flood policy. A percentage wind and hail deductible usually applies to the tornado claim, so check whether your policy uses one before storm season.
How much have Nebraska home insurance rates risen?
Rates rose about 15 percent in 2023, nearly 23 percent in 2024, and 7 percent in 2025, according to ValuePenguin. A homeowner who paid $3,500 a year in 2022 would pay roughly $5,300 a year in 2026 at those increases.
InsuranceQuotes publishes its Nebraska figures in its Nebraska home insurance rates page, with rates as of September 30, 2026, built from insurers’ filed rates and compiled by Quadrant Information Services. NerdWallet publishes its $400,000 dwelling state table in its average homeowners insurance cost guide, updated May 6, 2026. MoneyGeek publishes its Nebraska carrier table in its cheapest home insurance in Nebraska guide. For the neighboring state with the same storm exposure, see our Kansas homeowners insurance guide.
