Data · July 2026 data · 15-month trend
Nebraska Flood Insurance Costs
In July 2026, the average premium among Nebraska NFIP policies newly written or renewed that month was $1,022. The state pays more than the country as a whole — 3.7% above the $986 national average. Costs have risen 5.8% year over year. 683 policies were written or renewed statewide that month; Thurston County was the priciest county at $6,034 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 — July 2026
- Average premium
- $1,022
- Avg total cost (with fees)
- $1,363
- Change (year over year)
- +5.8%
- vs national average
- +3.7%
- Policies written or renewed
- 683
- Counties reporting
- 57
Nebraska trend, last 15 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 | $967 | $1,306 | 747 | |
| August 2025 | $880 | $1,198 | 670 | |
| September 2025 | $926 | $1,253 | 662 | |
| October 2025 | $883 | $1,195 | 579 | |
| November 2025 | $913 | $1,233 | 486 | |
| December 2025 | $988 | $1,338 | 548 | |
| January 2026 | $1,010 | $1,377 | 474 | |
| February 2026 | $965 | $1,300 | 509 | |
| March 2026 | $971 | $1,297 | 645 | |
| April 2026 | $994 | $1,328 | 714 | |
| May 2026 | $938 | $1,262 | 744 | |
| June 2026 | $954 | $1,281 | 690 | |
| July 2026 | $1,022 | $1,363 | 683 |
County breakdown — July 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 |
|---|---|---|---|---|
| Thurston County | $6,034 | $7,417 | 1 | |
| Cheyenne County | $5,444 | $6,496 | 1 | |
| Boyd County | $2,855 | $3,666 | 1 | |
| Dakota County | $2,275 | $2,982 | 4 | |
| Buffalo County | $2,173 | $2,763 | 16 | |
| Cedar County | $2,041 | $2,481 | 2 | |
| Knox County | $1,634 | $2,170 | 4 | |
| Thayer County | $1,563 | $1,916 | 1 | |
| Washington County | $1,518 | $2,032 | 8 | |
| Madison County | $1,429 | $1,833 | 15 | |
| Polk County | $1,192 | $1,703 | 2 | |
| Dodge County | $1,144 | $1,486 | 85 | |
| Fillmore County | $1,131 | $1,407 | 1 | |
| York County | $1,098 | $1,399 | 7 | |
| Dixon County | $1,094 | $1,404 | 11 | |
| Sarpy County | $1,092 | $1,420 | 49 | |
| Gage County | $1,087 | $1,392 | 6 | |
| Merrick County | $1,060 | $1,435 | 8 | |
| Clay County | $1,051 | $1,312 | 1 | |
| Cass County | $1,048 | $1,406 | 60 | |
| Hall County | $1,019 | $1,274 | 4 | |
| Saunders County | $995 | $1,378 | 34 | |
| Douglas County | $984 | $1,307 | 121 | |
| Pierce County | $978 | $1,226 | 2 | |
| Hamilton County | $962 | $1,319 | 2 | |
| Butler County | $961 | $1,356 | 3 | |
| Seward County | $955 | $1,342 | 11 | |
| Custer County | $955 | $1,199 | 2 | |
| Kearney County | $918 | $1,155 | 1 | |
| Keith County | $905 | $1,365 | 5 | |
| Howard County | $897 | $1,131 | 4 | |
| Antelope County | $887 | $1,343 | 3 | |
| Colfax County | $867 | $1,121 | 17 | |
| Nance County | $844 | $1,293 | 2 | |
| Scotts Bluff County | $820 | $1,115 | 12 | |
| Lancaster County | $784 | $1,110 | 100 | |
| Platte County | $771 | $982 | 7 | |
| Adams County | $771 | $1,031 | 9 | |
| Saline County | $753 | $961 | 5 | |
| Burt County | $744 | $1,025 | 3 | |
| Valley County | $740 | $1,057 | 2 | |
| Johnson County | $737 | $942 | 1 | |
| Boone County | $641 | $828 | 1 | |
| Sheridan County | $635 | $821 | 1 | |
| Dawson County | $627 | $881 | 13 | |
| Stanton County | $620 | $849 | 5 | |
| Nemaha County | $604 | $897 | 2 | |
| Garden County | $595 | $775 | 2 | |
| Phelps County | $567 | $741 | 1 | |
| Lincoln County | $560 | $767 | 13 | |
| Dawes County | $531 | $811 | 2 | |
| Webster County | $531 | $924 | 4 | |
| Cuming County | $506 | $894 | 2 | |
| Dundy County | $436 | $811 | 1 | |
| Franklin County | $382 | $523 | 1 | |
| Deuel County | $327 | $458 | 1 | |
| Box Butte County | $323 | $453 | 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 (NFIP Redacted Policies v3).
"Nebraska Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/nebraska
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.