Home Insurance in Bushnell, Nebraska
With a median home value of $70,500, Bushnell is 36% lower than the Kimball County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Bushnell was built in 1939 or earlier. About 76% of homes were built before 1960, about 5 points above Kimball County's 70%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bushnell is 87% single-family homes and 13% mobile or manufactured homes.
26% of owner-occupied homes in Bushnell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Bushnell are owner-occupied. The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Bushnell - 52% - are primarily heated with propane.
What's the biggest home insurance risk near Bushnell? FEMA's National Risk Index points to hail (Relatively Moderate) in Kimball County and Kimball County had 2 active NFIP flood policies as of September 2026. See the full Kimball County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $70,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Kimball County | 2 |
| 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)