Homeowners Insurance in Omaha, NE

For a home at Omaha's median value of $245,500, we estimate about $2,230 a year — +4% versus the Nebraska NAIC average of $2,142.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Omaha

Est. premium

$2,230

$186/mo · median home

Median home value

$245,500

Nebraska: $238,600

Median year built

1973

Census ACS

Owner-occupied

57.4%

of households

Hazard score

80.2

state ref. 77.3

Omaha's estimate reflects its home values (3% higher than the state median) and FEMA's hazard profile for Douglas County.

Natural hazard risk in Omaha

FEMA National Risk Index — Douglas County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very High	99.5	Comprehensive (car); roof claims (home)
Tornado	Very High	99.4	Comprehensive; dwelling
Hurricane	Not rated	0.0	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	95.1	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Very High	99.5	Comprehensive; dwelling
Winter weather	Very High	98.3	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	88.8	Comprehensive; dwelling
Earthquake	Very Low	52.7	Home needs a separate earthquake policy
Lightning	Relatively High	88.7	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Omaha

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,890	$1,740
$300,000	$2,620	$2,410
$500,000	$3,940	$3,625
$750,000	$5,450	$5,010

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Omaha

ZIP	Median home value	Owner-occupied	Est. premium
68104	$168,100	57.8%	$1,645
68116	$342,200	76.4%	$2,910
68107	$154,200	61.7%	$1,535
68135	$350,200	87.5%	$2,960
68134	$222,000	55.5%	$2,055
68164	$255,900	66.4%	$2,305
68144	$269,600	66.7%	$2,405
68137	$252,200	63.2%	$2,280
68111	$116,400	39.7%	$1,225
68154	$326,100	57.1%	$2,800
68105	$208,800	43.5%	$1,960
68130	$396,700	77.3%	$3,275
68106	$217,800	51.1%	$2,025
68127	$248,100	46.9%	$2,250
68114	$294,200	47.7%	$2,575
68124	$301,400	62.2%	$2,625
68131	$227,200	24.4%	$2,095
68108	$159,700	53.2%	$1,580
68132	$333,900	55.9%	$2,850
68102	$389,400	15.8%	$3,225
68110	$132,800	52.0%	$1,365
68118	$390,700	83.5%	$3,235
68117	$175,100	79.8%	$1,700

Homeowners insurance in Nebraska · Car insurance in Omaha · Insurance offices near Omaha

Frequently asked questions

How much is homeowners insurance in Omaha?

For a home at Omaha's median value of $245,500, we estimate about $2,230 a year for a standard HO-3 policy with a $1,000 deductible. The Nebraska NAIC average is $2,142.

What are the biggest natural hazards in Omaha?

FEMA's National Risk Index rates Douglas County relatively high or very high for hail, tornado, inland (river) flooding, strong wind, winter weather, and lightning.

Does the age of homes in Omaha affect insurance?

Yes. The median home in Omaha was built in 1973 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Nebraska, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Douglas County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page