Home Insurance in Henry, Nebraska
The median home value in Henry is $92,500, 45% lower 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 Henry was built around 1970. About 40% of homes were built before 1960, about 1 point above Scotts Bluff County's 39%.
The housing stock in Henry is 68% single-family homes and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Henry have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Henry has an owner-occupancy rate of 98% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Henry - 76% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Scotts Bluff County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Scotts Bluff County had 157 active NFIP flood policies as of September 2026. See the full Scotts Bluff 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 home value | $92,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)