Home Insurance in Cushing, Nebraska
The median home in Cushing was built in 1939 or earlier. About 81% of homes were built before 1960, about 33 points above Howard County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Cushing, the housing stock is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 5% of owner-occupied homes in Cushing have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cushing has an owner-occupancy rate of 97% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Cushing - 84% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Cushing? FEMA's National Risk Index points to hail (Relatively High) in Howard County and Howard County had 42 active NFIP flood policies as of September 2026. See the full Howard County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Nebraska is $2,142 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 5% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Howard County | 42 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)