Home Insurance in Mead, Nebraska
Homes in Mead carry a median value of $166,400 - 39% lower than the Saunders County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mead was built around 1948. About 56% of homes were built before 1960, about 22 points above Saunders County's 34%.
The housing stock in Mead is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Mead have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mead has an owner-occupancy rate of 84% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Mead, 87% of homes are primarily heated with natural gas.
Saunders County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Saunders County had 403 active NFIP flood policies as of September 2026. See the full Saunders 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 | $166,400 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Saunders County | 403 |
| 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)