Home Insurance in Morrill, Nebraska
With a median home value of $141,400, Morrill is 16% lower than the Scotts Bluff County median.
The typical home in Morrill was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 46% of homes were built before 1960, about 7 points above Scotts Bluff County's 39%.
The housing stock in Morrill is 76% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Morrill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Morrill are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Morrill - 81% - 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.
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 | $141,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)