Home Insurance in Brainard, Nebraska
The median home value in Brainard is $172,800, 6% lower than the Butler County median.
The typical home in Brainard was built around 1948. About 54% of homes were built before 1960, about 12 points above Butler County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Brainard is 94% single-family homes and 1% apartments in buildings with 5+ units.
47% of owner-occupied homes in Brainard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brainard has an owner-occupancy rate of 79% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Brainard - 61% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Butler County had 27 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Butler 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 | $172,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Butler County | 27 |
| 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)