Home Insurance in Brewster, Nebraska
Homes in Brewster carry a median value of $188,300 - 61% higher than the Blaine County median.
The typical home in Brewster was built around 1978. About 33% of homes were built before 1960, about 15 points below Blaine County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brewster is 94% single-family homes and 6% mobile or manufactured homes.
84% of owner-occupied homes in Brewster carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Brewster are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
67% of homes in Brewster are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Blaine County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Blaine County had 1 active NFIP flood policy as of September 2026. See the full Blaine 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 home value | $188,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 84% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Blaine County | 1 |
| 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)