Home Insurance in Brown County, Nebraska
The median home value in Brown County is $113,900, 52% lower than the Nebraska median.
The typical home in Brown County was built around 1959. About 51% of homes were built before 1960, about 19 points above Nebraska's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Brown County, the housing stock is 84% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Brown County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Brown County has an owner-occupancy rate of 74% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In Brown County, 45% of homes 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.
FEMA's National Risk Index lists hail (Relatively Low), wildfire (Very Low) and winter weather (Relatively Low) as the leading hazards for Brown County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Brown County has no active NFIP flood policies on file.
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 | $113,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Very Low), Winter Weather (Relatively Low) |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Towns and cities
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)