Home Insurance in McLean, Nebraska
The median home in McLean was built in 1939 or earlier. About 90% of homes were built before 1960, about 38 points above Pierce County's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in McLean is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
8% of owner-occupied homes in McLean carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McLean has an owner-occupancy rate of 89% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Most homes in McLean - 78% - 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.
FEMA rates Pierce County's overall risk as Very Low, led by hail (Relatively Moderate). Pierce County had 19 active NFIP flood policies as of September 2026. See the full Pierce 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pierce County | 19 |
| 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)