Home Insurance in Bradshaw, Nebraska
The median home value in Bradshaw is $95,000, 50% lower than the York County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bradshaw was built around 1957. About 55% of homes were built before 1960, about 12 points above York County's 43%.
The housing stock in Bradshaw is 68% single-family homes and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 23% of owner-occupied homes in Bradshaw have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bradshaw has an owner-occupancy rate of 77% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
90% of homes in Bradshaw are primarily heated with natural gas.
York County had 65 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full York 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 | $95,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in York County | 65 |
| 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)