Home Insurance in Morrill County, Nebraska
The median home value in Morrill County is $116,100, 51% lower than the Nebraska median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Morrill County was built around 1957. About 53% of homes were built before 1960, about 21 points above Nebraska's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Morrill County is 88% single-family homes, 3% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 37% of owner-occupied homes in Morrill County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Morrill County has an owner-occupancy rate of 77% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Morrill County, 53% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Low) as the leading hazards for Morrill County.
Morrill County had 6 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Nebraska carries a statewide average premium of $2,142 per year.
Key figures
| Median home value | $116,100 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)