Home Insurance in Gresham, Nebraska
With a median home value of $71,100, Gresham is 62% lower than the York County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Gresham was built in 1939 or earlier. About 76% of homes were built before 1960, about 33 points above York County's 43%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gresham is 88% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
29% of owner-occupied homes in Gresham carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Gresham are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Gresham, 45% of homes are primarily heated with electricity.
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.
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 | $71,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)