Home Insurance in McCook, Nebraska
The median home value in McCook is $154,300, close to the Red Willow County median.
The typical home in McCook was built around 1957. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 53% of homes were built before 1960, about 2 points above Red Willow County's 51%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in McCook is 79% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In McCook, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in McCook are owner-occupied.
In McCook, 62% of homes are primarily heated with natural gas.
FEMA rates Red Willow County's overall risk as Very Low, led by hail (Relatively Moderate). Red Willow County had 14 active NFIP flood policies as of September 2026. See the full Red Willow 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 | $154,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Red Willow County | 14 |
| 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)