Homeowners insurance in Nevada: premium by ZIP code
Nevada's median ZIP code paid $1,077 per policy in 2022, among the lowest, while Lake Tahoe's 89413 paid $6,286.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Nevada (median ZIP code)
$1,077
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,435.
| Change from 2018 to 2022, after inflation | +8.0% |
| Premium per policy in 2018 | $997 |
| Premium per policy in 2022 | $1,077 |
| 2022 premium carried to September 2026 (BLS index) | $1,435 |
| Policies not renewed by the insurer, 2022 | 0.72% |
| Claims paid per 100 policies, yearly average | 2.7 |
| Average claim paid, 2018 to 2022 (adjusted) | $16,008 |
| Cancelled for nonpayment, 2022 | 0.99% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 138 ZIP codes in 16 counties of Nevada in the Treasury file · not a quote
Nevada is one of the cheapest states for homeowners insurance in the Treasury file: the median ZIP code paid $1,077 per policy in 2022, ranked 49 of 51, after a rise of +7.0% after inflation from 2018. Clark County, Las Vegas, with 70 ZIP codes, paid $1,079; Washoe County, Reno, $1,143. Claims are rare in the desert, 2.7 per 100 policies a year, ranked 47 of 51, with no hurricanes and little hail. The exception is the Sierra edge: Douglas County, at Lake Tahoe and the Carson Valley, paid $1,542, and its ZIP 89413 $6,286, with wildfire the concern. The cheapest ZIP codes in the state were in Clark County too, 89034 at $632. Nonrenewals rose to 0.72% in 2022. Nevada has no FAIR plan for homes. The data stop in 2022.
Las Vegas
Clark County's median of $1,079 in 2022 rose +6.1% after inflation from 2018. Most Las Vegas homes are newer stucco and tile construction, with little exposure to hail or wind, so weather plays a smaller part in claims than in most states. ZIP 89034 and 89018, both in Clark County, paid $632 and $759, among the lowest figures in the country. The cheapest tenth of Nevada ZIP codes paid under $883. Water is the claim to watch in a desert city: a supply line under a sink or behind a refrigerator can soak a slab-built house before anyone notices, and a leak detector with an automatic shutoff costs less than most deductibles.
Reno and the Sierra edge
Washoe County paid $1,143 after a rise of +8.6%. Its ZIP 89402, on the north shore of Lake Tahoe, paid $4,475, and Douglas County's 89413 at Glenbrook, on the east shore, $6,286. Douglas County as a whole rose +12.4%, the fastest of the large counties. Forest and brush close to houses are the wildfire risk insurers price in these ZIP codes, and they are where nonrenewals concentrate.
Nevada against Arizona or Utah
Example, not your result yet· change a figure to see yours
Median premium per policy in Nevada, 2022
$1,077
| Same premium carried to September 2026 with the BLS index | $1,435 |
| Median ZIP change 2018 to 2022, after inflation | 7.0% |
| Cheapest tenth of ZIP codes pays under | $883 |
| Dearest tenth of ZIP codes pays over | $1,553 |
Rural Nevada
Nye County, with Pahrump, paid $932, below the state median, after a rise of only +1.3%. Much of rural Nevada has too few insurers or policies to appear in the file. Manufactured homes, common in rural areas, are usually insured on other forms and are outside these HO-3 and HO-5 figures.
Claims, renewals and the regulator
Paid claims ran at 2.7 per 100 policies a year, at $16,008 on average, and the paid loss ratio rose from 38% to 43%. Nonrenewals went from 0.33% in 2020 to 0.72% in 2022. Nevada has no residual market plan for homes listed in the Treasury report, so declined homes go to surplus lines insurers. The Nevada Division of Insurance handles complaints. For water claims, the claim calculator helps decide whether a small one is worth filing.
Nevada, year by year
| Year | Nevada median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $997 | $1,445 | 0.60% | 2.9 | 38% |
| 2019 | $1,029 | $1,469 | 0.48% | 2.9 | 37% |
| 2020 | $1,074 | $1,491 | 0.33% | 2.7 | 39% |
| 2021 | $1,054 | $1,521 | 0.49% | 2.7 | 40% |
| 2022 | $1,077 | $1,551 | 0.72% | 3 | 43% |
The Nevada counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Clark County | 70 | $1,020 | $1,079 | +6.1% | 0.80% | $15,390 |
| Washoe County | 21 | $1,078 | $1,143 | +8.6% | 0.50% | $22,287 |
| Douglas County | 8 | $1,479 | $1,542 | +12.4% | 0.44% | $28,192 |
| Nye County | 7 | $915 | $932 | +1.3% | 0.82% | $15,195 |
| Elko County | 5 | $1,044 | $1,085 | +6.7% | 0.71% | $8,599 |
| Lyon County | 5 | $991 | $1,013 | +5.8% | 0.65% | $15,679 |
| Lincoln County | 4 | $935 | $1,008 | +9.0% | 1.47% | $28,315 |
| White Pine County | 4 | $839 | $902 | +6.0% | 1.22% | $17,912 |
Highest and lowest premiums per policy, Nevada ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 89413 | Douglas County | $6,286 | +17.8% | 0.00% |
| 89402 | Washoe County | $4,475 | +8.3% | 0.00% |
| 89109 | Clark County | $4,293 | +96.8% | 2.17% |
| 89451 | Washoe County | $3,519 | +4.6% | 0.54% |
| 89448 | Douglas County | $2,948 | +0.7% | 0.85% |
| 89034 | Clark County | $632 | +3.2% | 0.31% |
| 89018 | Clark County | $759 | -23.2% | 0.91% |
| 89046 | Clark County | $780 | +0.9% | 0.00% |
| 89061 | Nye County | $817 | -1.2% | 0.55% |
| 89027 | Clark County | $825 | +2.9% | 0.58% |