Home Insurance in Terrytown, Nebraska
The median home value in Terrytown is $114,100, 32% lower than the Scotts Bluff County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Terrytown was built around 1970. About 22% of homes were built before 1960, about 16 points below Scotts Bluff County's 39%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Terrytown is 65% single-family homes, 1% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Terrytown, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Terrytown has an owner-occupancy rate of 51% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
85% of homes in Terrytown are primarily heated with natural gas.
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.
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 | $114,100 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)