Home Insurance in Gering, Nebraska
The median home value in Gering is $186,500, 11% higher than the Scotts Bluff County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gering was built around 1975. About 22% of homes were built before 1960, about 16 points below Scotts Bluff County's 39%.
Housing in Gering breaks down to 78% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
59% of owner-occupied homes in Gering carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gering has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
67% of homes in Gering are primarily heated with natural gas.
Scotts Bluff County had 157 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Scotts Bluff 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 | $186,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Scotts Bluff County | 157 |
| 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)