Protection Atlas · State Profile
Nebraska Protection Profile
Nebraska ranks #39 of 51 on the Atlas composite. State cost index runs 1.24× the national midpoint, risk-event frequency sits at 50/100, and consumer-protection strength scores 68/100.
Resilience
66
/ 100
Financial Safety
86
/ 100
Protection
84
/ 100
Preparedness
62
/ 100
Retirement
67
/ 100
Business
82
/ 100
State profile
- Auto avg: $1,624 · Home avg: $2,911 · Term avg: $233
- Min liability: 25/50/25 · No-fault: No · UM required: Yes
- SR-22 fee: $25 · Cost index: 1.24 · Friendliness: 92/100
Protection challenges
- Premium cost index runs 24% above the national midpoint
- Severe-convective-storm losses drive higher hail/wind deductibles
Major risk factors
- Tornado and severe-convective-storm exposure
- Hail-driven property loss frequency
Family security insights
In Nebraska, family protection planning is shaped by tort-based auto rules, mandatory uninsured-motorist coverage, and a state cost index of 1.24× the national midpoint. Term-life pricing tracks a 0.97× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Nebraska is supported by a consumer-protection score of 68/100 and a friendliness composite of 92/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
Nebraska households need shelter access and structured photo/video documentation. Hail and convective-wind deductibles are now the dominant economic factor.