Insurance in Gurley, NE

What we cover in Gurley

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Insurance in Gurley: the local picture

In Gurley, most homes are older stock tied to the village’s small-town roots, and the local economy still runs on Main Street businesses plus the daily commuter pull from Sidney’s retail, healthcare, and manufacturing jobs 12 miles west. That makes a solid farm and homeowners policy with extended replacement cost a must—especially when a hail core can flatten a roof in minutes and the nearest roofers are back from Sidney. Jack’s Refrigeration on the west edge of town anchors a lot of local ag-service contracts, so commercial property and inland marine coverage for refrigeration equipment should be top of mind for that shop. With the North Platte River and Lodgepole Creek nearby, even a low FEMA flood zone can fool you during a summer deluge, so a private flood policy is worth quoting for anyone within a half-mile of either waterway. And after 72 hail detections in the last year and 52 severe-weather warnings, adding comprehensive hail deductible buyback and sewer/sump backup isn’t just smart—it’s practically local policy.

Population: 150 (2020)

Housing in Gurley

~70 years predominantly wood-frame with some brick veneer, a small number of manufactured homes, no historic district; newer subdivisions are absent standard asphalt-shingle roofs are typical and generally in fair condition, with replacement cost around $8–$12 per sq ft; insurance coverage details vary by provider

Major local employers & who's hiring

• Crossroads Cooperative Association — ag-commercial
• Kriesel Certified Seed — ag-commercial

Local Gurley businesses

A few businesses that call Gurley home — independent of our agency.

• Jack's Refrigeration (Gurley location) — HVAC
• Rusty Wheel Farm LLC — farm
• Crossroads Cooperative Association — ag-commercial
• Kriesel Certified Seed — ag-commercial

Local landmarks & geography

• North Platte River — Major river influencing flood risk and drainage in Cheyenne County; flooding can affect property values and insurance rates in low-lying areas near Gurley.
• Lodgepole Creek — Runs through Cheyenne County; flash flooding and drainage issues may impact local property and insurance risk, especially in rural areas near Gurley.
• Gurley Village Park — Historic park in the village center; floodplain proximity and stormwater management may affect coverage for nearby properties.
• Cheyenne County, Nebraska — Rural county context; flood risk is generally low to moderate, but localized flash flooding and drainage issues can occur, especially near creeks and rivers.

Local facts that shape your coverage

• Gurley is a village in Cheyenne County, Nebraska, with a population of 214 as of the 2010 census. — Baseline demographic and geographic context for risk assessment.
• The Gurley, NE area has had 19 reports of on-the-ground hail by trained spotters and has been under severe weather warnings 52 times during the past 12 months; Doppler radar has detected hail at or near Gurley 72 times in the past year. — Documents recent severe weather and hail frequency, indicating high severe-weather risk.
• First Street’s flood risk assessment for ZIP 69153 (Gurley) provides high-resolution flood maps and indicates minimal flood risk, though localized flash flooding is possible during extreme rainfall. — Provides a data-driven flood risk profile for Gurley, NE.
• FEMA’s flood hazard mapping tools do not list Gurley, NE as a high-risk flood area, but residents should still monitor local flood advisories during heavy rain events. — Confirms FEMA’s assessment of low to moderate flood risk for Gurley.
• Gurley’s population in 2020 was 174 (Census). — Small population with older housing stock increases the importance of accurate replacement-cost estimates and extended coverage endorsements for homeowners and farm policies in Gurley.
• Cheyenne County, including Gurley, has low to moderate FEMA flood risk, but localized flash flooding is possible during heavy rainfall events, especially near the North Platte River and Lodgepole Creek; private flood insurance is recommended for properties within 0.5 miles of these waterways. — Clients living or farming near these waterways need flood coverage beyond the NFIP standard 30-day wait period.

Local figures compiled from public sources: census.gov · en.wikipedia.org · interactivehailmaps.com · firststreet.org · msc.fema.gov · geomorphologyresearch.com. Estimates — verify current details with the original source.

📄 Read the full Gurley insurance guide →

Insurance requirements in Nebraska

Nebraska is an at-fault state and requires liability plus uninsured/underinsured-motorist coverage. With a strong agricultural base and frequent severe storms, farm, crop, and hail-aware home coverage matter across the state. As an independent agency we shop multiple carriers to fit Nebraska's requirements and exposures. Verify current state minimums with the Nebraska Department of Insurance.

Gurley, NE insurance — common questions

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