Home Insurance in Brock, Nebraska
The median home in Brock was built in 1939 or earlier. About 73% of homes were built before 1960, about 15 points above Nemaha County's 57%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Brock, the housing stock is 95% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in Brock carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brock has an owner-occupancy rate of 94% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 42% of homes in Brock are primarily heated with propane.
Nemaha County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Nemaha County had 7 active NFIP flood policies as of September 2026. See the full Nemaha 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Nemaha County | 7 |
| 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)