Home Insurance in Brunswick, Nebraska
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Brunswick was built around 1955. About 58% of homes were built before 1960, about 9 points above Antelope County's 50%.
In Brunswick, the housing stock is 98% single-family homes and 2% apartments in buildings with 5+ units.
21% of owner-occupied homes in Brunswick carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Brunswick are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Brunswick - 61% - are primarily heated with propane.
What's the biggest home insurance risk near Brunswick? FEMA's National Risk Index points to hail (Relatively Moderate) in Antelope County and Antelope County had 19 active NFIP flood policies as of September 2026. See the full Antelope 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 year built | 1955 |
|---|---|
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Antelope County | 19 |
| 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)