Home Insurance in Brule, Nebraska
The median home value in Brule is $131,300, 22% lower than the Keith County median.
The typical home in Brule was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 52% of homes were built before 1960, about 21 points above Keith County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brule is 91% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
47% of owner-occupied homes in Brule carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Brule are owner-occupied.
53% of homes in Brule are primarily heated with natural gas.
What's the biggest home insurance risk near Brule? FEMA's National Risk Index points to hail (Relatively Moderate) in Keith County and Keith County had 41 active NFIP flood policies as of September 2026. See the full Keith 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 | $131,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Keith County | 41 |
| 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)