Water spreading, a burst pipe, sewage, mold or smoke? Call to be connected with a restoration company that serves York, Henderson and McCool Junction. Start the steps below while you wait.
About 14,286 people live in York County, 573 square miles in southeast Nebraska, in roughly 6,370 homes. The county seat is York, and Henderson, McCool Junction and Bradshaw round out the largest towns. The county's median home was built in 1968.
The three factors where York County ranks highest compared with other Nebraska counties.
Weather
York County is milder than most of Nebraska, but not mild enough to skip winterizing. It averaged 136 freezing nights a year over 2015–2024, 56 of them at 20°F or colder, cold enough for pipes in outside walls and crawl spaces to freeze. Among 93 Nebraska counties that's 68th.
On February 16, 2021 the low fell to about -29°F, and in the stretch ending February 2021 the county went 17 days in a row below freezing. Leaks from split pipes typically appear the day the thaw arrives.
The freeze season here runs November to March, with January the coldest. If you travel then, leave the thermostat at 55°F or above and open sink cabinets on outside walls.
On average the first fall freeze arrives around Oct 19 and the last spring freeze around Apr 21.
Heavy rain is a bigger factor here than in most of Nebraska. Of roughly 28.4 inches of yearly precipitation, the damage comes from the 5.8 days a year with an inch or more, ranked 20th of 93. May, June and July see the most. The single wettest day in the record: 3.5 inches, March 14, 2021. Multi-day storms matter most for basements; the wettest three days on record here totaled 4.73 inches (through March 16, 2021).
Freeze-thaw days, below freezing overnight and above it by afternoon, come about 100 times a year here. They're the main driver of ice dams and of water working its way through foundation cracks in late winter.
Freezing nights per month, 2015–2024 average
Days with 1 inch or more of rain per month, 2015–2024 average
Housing
What York County's homes are made of
Nebraska's 93 counties range widely in housing age; York ranks 60th, with 69% of its homes built before 1980.
The mix runs from 43% built before 1960 to 14% built since 2000, so older neighborhoods bring aging pipe while newer subdivisions bring failed appliance lines and water heaters.
Homes by year built
Before 194033%
1940–195910%
1960–197926%
1980–199917%
2000 or later14%
Owner-occupied
76%
Nebraska median 75%
Single-family
79%
of all homes
Median home value
$189k
Nebraska median $157k
Beyond water
Mold and fire damage in York County
Mold
Summer nights that don't drop below 65°F, a good marker of humid air, come about 36 times a year here, above the Nebraska county median of 27. The EPA recommends keeping indoor humidity below 60%, ideally 30 to 50%. Basements can pass 60% on their own in summer, so a dehumidifier matters even without a leak, and anything wet should be dried within 24 to 48 hours.
Main heating fuel in York County's occupied homes: 45% utility gas, 39% electric, 14% propane and under 1% wood. Most homes here heat with gas or electricity, so cooking and electrical faults are the likelier fire sources. Even a contained kitchen fire can send soot through the ductwork to every room.
Rank 1 is the highest value. Bars run from the lowest to the highest Nebraska county; the tick marks the median; orange means higher water damage risk than the median, green means lower.
Questions
York County water damage FAQ
Which towns in York County does this cover?
Calls are routed to restoration companies that serve all of York County, including York, Henderson, McCool Junction, Bradshaw, Benedict and Gresham, plus the townships and rural areas around them. If the first company can't reach you quickly, ask to be connected with another.
How often do pipes freeze in York County?
About 56 nights a year get to 20°F or below, concentrated in January. The longest cold spell in the 2015–2024 record was 17 days below freezing.
What causes the most water damage in York County?
Based on the county's housing and weather data, the biggest local factors are heavy rain and basements, muggy, mold-friendly summers and aging plumbing. Appliance supply lines and water heaters cause leaks everywhere.
Will my insurance cover water damage in York County?
A burst pipe or a failed water heater is usually covered. Rain-driven basement water usually isn't, unless you added water backup coverage, and floodwater needs a flood policy. May, June and July are when York County gets the most heavy rain.
How fast does mold start in a York County home?
The EPA advises drying wet materials within 24 to 48 hours. In May, the county's wettest month, and on the 36 muggy summer nights a year when lows stay at 65°F or above, basements dry slowly on their own, so start fans and dehumidifiers the same day.
Water won't wait. Neither should you.
Peak risk months in York County: freezing from November to March, heavy rain in May, June and July.
Sources: U.S. Census Bureau, ACS 2024 5-year estimates (2020-2024); weather from NOAA nClimGrid-Daily county averages (EpiNOAA), 2015–2024, averaged across the county; county boundaries from Census TIGER. Reviewed 2026-10-21. Methodology