I live north of Milford. I found out when I was farming that the premiums for crop hail insurance on my place were the lowest in the state. There's a small narrow strip through here.
My parents had hail insurance for over 20 years, and only had one small claim that wasn't enough to offset all the premiums they paid, so they quit the hail insurance.
On the flip side, there's a stretch from Kearney to Broken Bow where it's not a matter of "if" they get hailed out, it's a matter of "when". We have friends in Broken Bow, and I don't think there's a car in town over a year old that doesn't have hail dings somewhere.
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