Home Insurance in Mullen, Nebraska
Homes in Mullen carry a median value of $85,400 - 9% lower than the Hooker County median.
The median home in Mullen was built in 1939 or earlier. About 63% of homes were built before 1960, about 7 points above Hooker County's 56%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mullen is 91% single-family homes and 6% mobile or manufactured homes.
In Mullen, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mullen has an owner-occupancy rate of 62% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Most homes in Mullen - 75% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Hooker County's overall risk as Very Low, led by wildfire (Very Low). Hooker County has no active NFIP flood policies on file. See the full Hooker County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $85,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)