Home Insurance in Bristow, Nebraska
With a median home value of $12,500, Bristow is 88% lower than the Boyd County median.
The typical home in Bristow was built around 1942. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 74% of homes were built before 1960, about 15 points above Boyd County's 59%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bristow is 80% single-family homes and 20% mobile or manufactured homes.
Almost no owner-occupied homes in Bristow carry a mortgage.
About 92% of occupied homes in Bristow are owner-occupied. The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Bristow are primarily heated with wood.
FEMA rates Boyd County's overall risk as Very Low, led by wildfire (Very Low). Boyd County had 11 active NFIP flood policies as of September 2026. See the full Boyd County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Nebraska carries a statewide average premium of $2,142 per year.
Key figures
| Median home value | $12,500 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Boyd County | 11 |
| 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)