InsureWatch

68516

High68

Lincoln, Nebraska — Lancaster County

Pop. 46,714Median Income $97,394Median Home $310,000
0/ 100High Risk

2025 Estimated Premium

$2,775/yr

+18.6% from 2022 actual ($2,340)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,340

+4.1%

2018–2025

Nonrenewal Rate

2.51%

2018–2022

Claim Frequency

3.5%

Avg Claim Amount

$13,837

Score Breakdown

Premium Level (25%)85
Premium Trend (20%)70
Nonrenewal Risk (20%)92
Storm Exposure (15%)33
Affordability (10%)58
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201824 events
Property damage$0
1 hail4 flood
19
201939 events
Property damage$0
2 tornado18 hail2 flood
20
202063 events
Property damage$0
6 hail10 flood
21
202111 events
Property damage$0
1 tornado2 flood
22
202238 events
Property damage$0
27 hail
23
202333 events
Property damage$0
1 tornado14 hail
24
202431 events
Property damage$1,600,000
5 tornado8 hail2 flood
25
202525 events
Property damage$3,410,000
10 hail1 flood

Nearby ZIP Codes

68526Lincoln, NE
74High
68506Lincoln, NE
66High
68512Lincoln, NE
73High
68430Lincoln, NE
80High
68502Lincoln, NE
68High

Compare home insurance quotes in Lincoln, NE

See rates from top carriers. It takes 2 minutes and could save you hundreds.

The Zebra →Insurify →Policygenius →

Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.

Buying a home in Lincoln, NE? Check mortgage rates

Compare rates from top lenders

Get alerts when your ZIP's risk changes

We'll email you when premiums spike, nonrenewal rates jump, or a major storm hits your area.

AI Risk Report

Get a detailed narrative analysis of this ZIP

Also from us: CrashWatch

See car crash data, road safety scores, and traffic fatality stats for Lincoln, NE.

Compare this ZIP

See how 68516 stacks up against another ZIP code or city.

Compare Now

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.