Home Insurance in Burr, Nebraska
Homes in Burr carry a median value of $104,200 - 48% lower than the Otoe County median.
The median home in Burr was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 74% of homes were built before 1960, about 34 points above Otoe County's 40%.
The housing stock in Burr is 100% single-family homes.
61% of owner-occupied homes in Burr carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Burr has an owner-occupancy rate of 100% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Burr - 56% - are primarily heated with electricity. 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 Burr? FEMA's National Risk Index points to hail (Relatively Moderate) in Otoe County and Otoe County had 17 active NFIP flood policies as of September 2026. See the full Otoe 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 | $104,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Otoe County | 17 |
| 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)