Home Insurance in McGrew, Nebraska
With a median home value of $68,800, McGrew is 59% lower than the Scotts Bluff County median.
The median home in McGrew was built in 1939 or earlier. About 63% of homes were built before 1960, about 25 points above Scotts Bluff County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In McGrew, the housing stock is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in McGrew carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McGrew has an owner-occupancy rate of 94% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In McGrew, 39% of homes are primarily heated with propane.
What's the biggest home insurance risk near McGrew? FEMA's National Risk Index points to hail (Relatively High) in Scotts Bluff County and 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.
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 | $68,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)