Home Insurance in Clarks, Nebraska
Homes in Clarks carry a median value of $107,600 - 39% lower than the Merrick County median.
The typical home in Clarks was built around 1947. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 65% of homes were built before 1960, about 23 points above Merrick County's 43%.
Housing in Clarks breaks down to 95% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
49% of owner-occupied homes in Clarks carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Clarks are owner-occupied.
In Clarks, 43% of homes 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.
Merrick County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Merrick County had 63 active NFIP flood policies as of September 2026. See the full Merrick 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 | $107,600 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Merrick County | 63 |
| 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)