Home Insurance in Cook, Nebraska
Homes in Cook carry a median value of $110,400 - 29% lower than the Johnson County median.
The typical home in Cook was built around 1961. About 48% of homes were built before 1960, about 9 points below Johnson County's 57%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Cook is 82% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Cook carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cook has an owner-occupancy rate of 64% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Cook are primarily heated with electricity.
What's the biggest home insurance risk near Cook? FEMA's National Risk Index points to wildfire (Relatively Low) in Johnson County and Johnson County had 17 active NFIP flood policies as of September 2026. See the full Johnson 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 | $110,400 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Johnson 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)