Home Insurance in Holbrook, Nebraska
The median home value in Holbrook is $75,000, 24% lower than the Furnas County median.
The median home in Holbrook was built in 1939 or earlier. About 76% of homes were built before 1960, about 15 points above Furnas County's 61%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Holbrook breaks down to 100% single-family homes.
About 20% of owner-occupied homes in Holbrook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Holbrook are owner-occupied.
In Holbrook, 83% of homes are primarily heated with natural gas.
Furnas County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Furnas County had 2 active NFIP flood policies as of September 2026. See the full Furnas 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 | $75,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Furnas County | 2 |
| 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)