Data · May 2026 data · 13-month trend
Nebraska Flood Insurance Costs
In May 2026, the average premium among Nebraska NFIP policies newly written or renewed that month was $931. The state pays less than the country as a whole — 5.2% under the $982 national average. Costs have risen 6.0% year over year. 709 policies were written or renewed statewide that month; Buffalo County was the priciest county at $3,042 on average.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $931
- Avg total cost (with fees)
- $1,252
- Change (year over year)
- +6.0%
- vs national average
- -5.2%
- Policies written or renewed
- 709
- Counties reporting
- 59
Nebraska trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $878 | $1,188 | 792 | |
| June 2025 | $889 | $1,210 | 750 | |
| July 2025 | $966 | $1,306 | 746 | |
| August 2025 | $880 | $1,199 | 669 | |
| September 2025 | $925 | $1,252 | 662 | |
| October 2025 | $884 | $1,195 | 578 | |
| November 2025 | $915 | $1,235 | 485 | |
| December 2025 | $988 | $1,338 | 548 | |
| January 2026 | $1,005 | $1,371 | 474 | |
| February 2026 | $965 | $1,300 | 509 | |
| March 2026 | $971 | $1,297 | 645 | |
| April 2026 | $994 | $1,328 | 714 | |
| May 2026 | $931 | $1,252 | 709 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Buffalo County | $3,042 | $3,788 | 16 | |
| Clay County | $2,649 | $3,198 | 1 | |
| Polk County | $2,123 | $2,577 | 1 | |
| Butler County | $1,929 | $2,348 | 1 | |
| Boyd County | $1,678 | $2,277 | 1 | |
| Keith County | $1,607 | $1,968 | 1 | |
| Madison County | $1,407 | $1,832 | 9 | |
| Burt County | $1,356 | $1,747 | 3 | |
| Red Willow County | $1,330 | $1,866 | 1 | |
| Dakota County | $1,118 | $1,391 | 2 | |
| Otoe County | $1,093 | $1,362 | 3 | |
| Stanton County | $1,087 | $1,467 | 2 | |
| Saline County | $1,063 | $1,326 | 2 | |
| Sarpy County | $1,049 | $1,353 | 62 | |
| Knox County | $1,040 | $1,389 | 5 | |
| York County | $1,022 | $1,374 | 7 | |
| Gage County | $1,009 | $1,319 | 4 | |
| Dawson County | $1,008 | $1,427 | 19 | |
| Morrill County | $1,008 | $1,261 | 2 | |
| Douglas County | $987 | $1,346 | 158 | |
| Cass County | $986 | $1,329 | 41 | |
| Valley County | $978 | $1,226 | 1 | |
| Dodge County | $977 | $1,273 | 60 | |
| Washington County | $956 | $1,335 | 5 | |
| Howard County | $943 | $1,222 | 6 | |
| Hall County | $935 | $1,320 | 14 | |
| Colfax County | $929 | $1,226 | 27 | |
| Custer County | $918 | $1,220 | 7 | |
| Merrick County | $903 | $1,238 | 9 | |
| Perkins County | $902 | $1,136 | 1 | |
| Thayer County | $897 | $1,243 | 2 | |
| Scotts Bluff County | $895 | $1,283 | 16 | |
| Phelps County | $888 | $1,120 | 1 | |
| Deuel County | $882 | $1,113 | 1 | |
| Chase County | $855 | $1,081 | 1 | |
| Hamilton County | $819 | $1,038 | 1 | |
| Cedar County | $818 | $1,082 | 5 | |
| FIPS 31000 | $815 | $1,109 | 3 | |
| Platte County | $781 | $993 | 4 | |
| Franklin County | $637 | $824 | 1 | |
| Saunders County | $634 | $900 | 28 | |
| Lancaster County | $628 | $871 | 123 | |
| Seward County | $606 | $787 | 2 | |
| Antelope County | $591 | $770 | 2 | |
| Lincoln County | $565 | $808 | 13 | |
| Cuming County | $557 | $954 | 1 | |
| Kearney County | $527 | $768 | 6 | |
| Dixon County | $506 | $894 | 1 | |
| Boone County | $493 | $879 | 4 | |
| Pierce County | $449 | $602 | 3 | |
| Dundy County | $440 | $816 | 2 | |
| Holt County | $435 | $585 | 3 | |
| Adams County | $430 | $580 | 3 | |
| Webster County | $404 | $774 | 1 | |
| Nuckolls County | $365 | $502 | 2 | |
| Rock County | $287 | $411 | 1 | |
| Dawes County | $287 | $411 | 1 | |
| Gosper County | $284 | $632 | 1 | |
| Hitchcock County | $223 | $560 | 1 |
Use this data
Download Nebraska CSV (nebraska.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Nebraska Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/nebraska
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.