Home Insurance in Long Pine, Nebraska
The median home value in Long Pine is $59,500, 48% lower than the Brown County median.
The median home in Long Pine was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 83% of homes were built before 1960, about 32 points above Brown County's 51%.
In Long Pine, the housing stock is 93% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
27% of owner-occupied homes in Long Pine carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Long Pine has an owner-occupancy rate of 85% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Most homes in Long Pine - 62% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Brown County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Brown County has no active NFIP flood policies on file. See the full Brown 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 | $59,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hail (Relatively Low) |
| 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)