Nebraska Home-Insurance Distress by County

Nebraska reads below the national norm for home-insurance distress — 93 counties averaging 20/100, 40th of 52 states.

5 of Nebraska's 93 counties score 70 or higher (severe).

Nebraska's reading rests on a FEMA hazard average of 30/100 and NFIP flood-claim stress of 11/100.

Over three years Nebraska counties filed 78 NFIP flood claims, $2,093,015 paid.

Highest in Nebraska: Douglas County 81/100 (#339 US), Saunders County 77/100 (#465 US), Washington County 75/100 (#520 US), Burt County 70/100 (#617 US), Fillmore County 70/100 (#624 US).

Nebraska counties by insurance band: 40 zero (Nebraska), 36 low, 16 medium, 1 high; Nebraska NFIP claims, three years: 78; Nebraska payouts $2.1 million.

Nebraska counties with the most NFIP claims: Douglas 22 ($785,518); Burt 12 ($655,538); Washington 9 ($221,572) in Nebraska; Cass 7 ($139,620); Sarpy 5 ($22,171).

Nebraska county average fell: 18.4 in March 2026; Nebraska reads 18.3 in October 2026; Nebraska by month: March 18.4, April 18.4, May 18.4 (Nebraska), June 18.4, July 18.2, August 18.8 (Nebraska), September 18.6, October 18.3.

Highest Nebraska ZIPs, insurance distress: 81008 42 (climate 83), 75038 0 (climate 100) in Nebraska, 75254 0 (climate 100), 75150 0 (climate 100) in Nebraska, 75214 0 (climate 100), 75241 0 (climate 100) in Nebraska.

Reading the Nebraska bands: 1 of 93 Nebraska counties sit in a high or worse insurance band; Nebraska filed 78 NFIP claims in three years, $2.1 million paid to Nebraska policyholders; a Nebraska county's band moves when FEMA hazard revisions, new Nebraska NFIP settlements or carrier filings change its monthly score.