Home Insurance in McCool Junction, Nebraska
With a median home value of $149,500, McCool Junction is 21% lower than the York County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in McCool Junction was built in 1939 or earlier. About 69% of homes were built before 1960, about 26 points above York County's 43%.
The housing stock in McCool Junction is 98% single-family homes and 1% mobile or manufactured homes.
76% of owner-occupied homes in McCool Junction carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in McCool Junction are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In McCool Junction, 60% of homes are primarily heated with propane.
York County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. York County had 65 active NFIP flood policies as of September 2026. See the full York 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 | $149,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in York County | 65 |
| 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)