Published July 25, 2026 · 40 years in trucking & the trades
What we cover in Hazard
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Hazard choose a local agent
When you're in Hazard, Sherman County, you get a real person who knows NE — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Hazard: the local picture
Living here in Hazard, we know our homes are more than just buildings – they're part of our family history. With most of our housing being older, predominantly frame construction, and the average home value in Sherman County around $177,498, it's crucial to ensure your dwelling coverage is solid and reflects true replacement cost, not just market value. Especially with our weather! We're no strangers to severe storms; that F4 tornado that came within 8.4 miles back in '56 is a stark reminder. Our tornado activity is 67% higher than the national average, so robust wind and hail coverage, with a careful look at deductibles, is non-negotiable. When a storm rolls through, having a local outfit like StormShield Roofing ready to help is great, but having the right insurance to back it up is what truly protects your investment.
Our local economy, deeply tied to Sherman County, means we see a lot of folks working in Health Care & Social Assistance, Manufacturing, and Agriculture. For our local businesses, whether it's the critical work at Rose Lane Home, the educational services at Loup City Public Schools, or the construction projects by Brad Rasmussen Construction, LLP, proper commercial insurance is vital. This means general liability, property coverage that accounts for our unique weather, and workers' compensation to protect employees in these essential sectors. Each business has its own set of risks, and a one-size-fits-all policy just won't cut it.
And let's not forget our geography, with the Middle Loup River flowing nearby. While specific flood zone data for Hazard can be tough to pinpoint, it's always wise to consider flood insurance. FEMA maps don't always tell the whole story, and water damage can be devastating. Protecting your property from every angle, from the strong winds that might call for Big Jeff Tree Service, to potential flooding, is just common sense in a place like Hazard. It’s about more than just a policy; it’s about peace of mind knowing your home and livelihood are truly protected against the realities of living in rural Nebraska.
Population: 57 (2020)
Housing in Hazard
However, the average home value in Sherman County, NE, which includes Hazard, was $177,498 as of a recent estimate. Housing in small rural Nebraska villages like Hazard typically consists of older, predominantly frame homes, with limited new construction or formal historic districts. Replacement costs and roof types would vary significantly by individual property. (Source: https://www.zillow.com/home-values/23001/hazard-ne/)
Major local employers & who's hiring
- Loup City Public Schools — Education Actively hiring
- Rose Lane Home — Senior Care / Nursing Home Actively hiring
- Brad Rasmussen Construction, LLP — Construction / Home Builders
Local Hazard businesses
A few businesses that call Hazard home — independent of our agency.
- StormShield Roofing — Roofing Contractor
- Big Jeff Tree Service — Tree Trimming
Local landmarks & geography
- Middle Loup River — Flows through Sherman County, where Hazard, NE is located. Potential for regional flood risk that could affect properties in the vicinity of the river.
- Historic Downtown/District — No formally designated historic downtown or district was found. Given the village's small size (population 57 as of 2020), such a district is unlikely.
- State Park — No state parks were found directly in or immediately near Hazard, NE or Sherman County.
- Interstate — Hazard, NE is not directly on an interstate. Interstate 80 is the closest major interstate in Nebraska. Its direct impact on property insurance risk within Hazard village limits is minimal due to distance.
- University — No universities were found in or immediately near Hazard, NE. Educational institutions would typically be in larger towns or cities in Nebraska.
- Major Plant — No major plants or large employers were found directly within Hazard, NE. Employment for residents would likely be in agriculture or small local businesses, or involve commuting to larger nearby towns.
Local facts that shape your coverage
- Hazard is a village located in Sherman County, Nebraska. — High
- As of the 2020 United States census, the population of Hazard, Nebraska, was 57. — High
- The Hazard area experiences historical tornado activity that is 67% greater than the overall U.S. average, with a recorded F4 tornado impacting the region in 1956. — High
- The population of Hazard, Nebraska, was 57 as of the 2020 United States census. — Provides context on the small, rural nature of the community, which influences housing stock, local services, and general risk profiles.
Local figures compiled from public sources: en.wikipedia.org · city-data.com · loupcitypublicschools.org · indeed.com · manta.com · en.wikipedia.org. Estimates — verify current details with the original source.
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.
Hazard, NE insurance — common questions
How much does insurance cost in Hazard, NE?
Rates in Hazard and Sherman County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Hazard?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Hazard and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Hazard today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.