Home Insurance in Minatare, Nebraska
With a median home value of $80,500, Minatare is 52% lower than the Scotts Bluff County median.
The typical home in Minatare was built around 1964. About 36% of homes were built before 1960, about 3 points below Scotts Bluff County's 39%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Minatare is 83% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
46% of owner-occupied homes in Minatare carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Minatare are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
57% of homes in Minatare are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Minatare? 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 | $80,500 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)