As Nebraskans, we’ve always understood that our state’s weather can be unpredictable. From bitter winter cold snaps to summer heat waves, we’re no strangers to extremes or drastic weather changes.
According to a 2024 impact report published by the University of Nebraska, significant shifts in our state’s weather patterns could have real implications for homeowners and commercial property owners alike. Let’s explore what these trends are and what these emerging risks could mean for you.
The Trends and What They Mean for Your Property
Understanding these weather and climate trends isn’t about creating alarm. It’s about empowering property owners like yourself with the knowledge needed to make informed decisions.
Trend #1: Warming Temperatures
What’s happening: Nebraska has been warming at a rate of 0.034°F per year since 1980, with June, September and November being the months with the highest increases. All climate divisions in Nebraska, except south central, were more than 2°F warmer in winter months from 1994 to 2023 compared to 1895 to 1960. Most of Nebraska has experienced at least four more days per year above freezing from compared to historical records.
What it means for your property: Warmer winters may reduce heating costs, but can also create new challenges. Freeze-thaw cycles can accelerate foundation damage, roof deterioration and cause pavement to crack. Less snow may also impact soil moisture levels and increase winter drought conditions, stressing landscaping and leading to additional foundational issues.
Average winter season temperature difference from 1994 to 2023 compared to 1895–1960. The number in parentheses in row 2 represents the average temperature from 1895 to 1960, and the number outside of the parentheses represents the temperature from 1994 to 2023.
Annual average precipitation for the 1991–2020 period. (Source: PRISM Climate Group, 2022)
Trend #2: Precipitation Patterns
What’s happening: Annual average precipitation in Nebraska ranges from under 15 inches in the western Panhandle to around 36 inches in the far southeast corner. Precipitation falls year-round, with peaks in May and June and lows in January, but the distribution of that moisture is changing. Most regions across the state show increased spring precipitation, with some areas receiving over an inch more than historical averages.
What it means for your property: The combination of wet and dry extremes is particularly challenging for property maintenance and risk management. Rising spring moisture can lead to flooding, stressed drainage systems and infrastructure, and increased erosion and runoff. Meanwhile, drier summers, especially when combined with hotter temperatures, elevate wildfire risk and can cause soil contraction that impacts foundations.
Trend #3: Record-Breaking Extreme Weather Events
What’s happening: Since 2000, every location in Nebraska has set at least one new monthly record for warmest average temperature. All locations since then have experienced at least one record-breaking dry month, or record-breaking wet month.
What it means for your property: The increase in record-breaking conditions means that historical data may no longer be a reliable factor of future risks. Properties may now be vulnerable to different types of damage. These extreme events are contributing to rising home and property insurance rates, making it essential to take a fresh look at coverage needs and risk mitigation strategies.
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Steps You Can Take
Review your coverage regularly: As risks evolve, your insurance needs may change. We’re here to help you assess whether your current coverage adequately protects your investment.
Invest in prevention: Many climate-related damages can be mitigated through proactive maintenance, including proper grading, foundation waterproofing, roof maintenance and checks and drainage improvements.
Document your property: Keep detailed records nad photos of your property’s condition, which can be invaluable if you need to file a claim.
Stay informed: Understanding local weather trends helps you anticipate and prepare for risks. For example, Nebraska’s agricultural economy means that climate impacts on crops and livestock can ripple through many commercial sectors, affecting everything from food processing to transportation and retail.
Nebraska’s climate is changing, and with it, the risk landscape for property owners. If you have questions about how these climate trends might affect your property insurance needs, we invite you to reach out. We’ll review your current coverage for potential gaps and develop a strategy that gives you confidence and peace of mind.
For a consultative approach to navigating coverage and changes to weather that may impact your insurance, contact a UNICO Advisor.
The climate data referenced in this article comes from the 2024 Nebraska Climate Change Impact Assessment Report, prepared by the University of Nebraska-Lincoln. We’re grateful for the dedicated work of researchers who help us better understand the challenges and opportunities facing our state.
