Home Insurance in Burwell, Nebraska
Homes in Burwell carry a median value of $164,400 - 7% lower than the Garfield County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Burwell was built in 1939 or earlier. About 70% of homes were built before 1960, about 21 points above Garfield County's 49%.
The housing stock in Burwell is 91% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
45% of owner-occupied homes in Burwell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Burwell has an owner-occupancy rate of 75% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
In Burwell, 62% 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.
What's the biggest home insurance risk near Burwell? FEMA's National Risk Index points to wildfire (Very Low) in Garfield County and Garfield County has no active NFIP flood policies on file. See the full Garfield 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 | $164,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Wildfire (Very 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)