HomeInsuranceQts

Home Insurance in Brady, Nebraska

With a median home value of $151,200, Brady is 20% lower than the Lincoln County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Brady was built around 1980. About 29% of homes were built before 1960, about 11 points below Lincoln County's 40%.

The housing stock in Brady is 87% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Brady, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Brady has an owner-occupancy rate of 88% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.

In Brady, 74% of homes are primarily heated with natural gas.

FEMA rates Lincoln County's overall risk as Relatively Low, led by hail (Relatively High). Lincoln County had 144 active NFIP flood policies as of September 2026. See the full Lincoln 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$151,200
Median year built1980
Owner-occupied share88%
Share of owner-occupied homes with a mortgage49%
Top county hazardHail (Relatively High)
Active NFIP policies in Lincoln County144
Home insurance premium$2,142 - statewide average (NAIC, 2023 data)
Key home insurance figures for Brady, NE

Nearby towns

Sources

Data last updated: 2026-09-29