Look up a ZIP
United States › Nebraska › Sarpy County › ZIP 68147

Home insurance & flood costs in ZIP 68147 (Bellevue, NE)

Plain facts for homeowners in Bellevue: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

ZIP 68147 at a glance

Four numbers most homeowners ask about first.

$2,285
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

Too few
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.76%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

12.5%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 68147 in numbers
$11,946
average paid claim (2022)
+23%
premium change 2018–2022, after inflation
1.83%
cancelled by insurers mid-term (2022)
5
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 68147 was $2,285 in 2022, 12% below the Sarpy County typical ZIP ($2,592) and 47% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 23% between 2018 and 2022. About 12.5% of policies here had a paid claim in 2022, and insurers chose not to renew 1.76% of policies.

Sarpy County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 68147SarpyU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Only 5 single-family NFIP policies took effect in ZIP 68147 in 2025, too few for a meaningful average. The Sarpy County average was $1,074.

Flood insurance data

Too few NFIP policies here to show reliable averages. FEMA's Flood Map Service Center shows the flood zone for any address.

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Sarpy County

The chart shows the share of homeowners policies in ZIP 68147 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Sarpy County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Tornado97 · Relatively High
  • Hail97 · Relatively High
  • Strong wind96 · Relatively High
  • Heat wave90 · Relatively Moderate
  • Winter weather88 · Relatively High

Other ZIP codes in Sarpy County

Average premium per policy in 2022 (Treasury FIO).

68005 Bellevue · $2,38868028 Gretna · $2,88168046 Papillion · $2,69668123 Bellevue · $2,59268128 La Vista · $2,46668133 Papillion · $2,85568136 Omaha · $2,77868138 Omaha · $2,34568157 Omaha · $2,270

Practical next steps

Simple things homeowners in ZIP 68147 can do with this information.

Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Look at your roof. Hail and wind claims often come down to the roof. Impact-resistant (Class 4) shingles can earn discounts in some states, and knowing your roof's age helps when you compare policies.
Have a shelter plan. Know where your safe room or interior shelter is, and keep an up-to-date photo or video inventory of your belongings to make any claim simpler.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.