Nevada Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 137 ZIP codes in Nevada (NV).

The verdict

According to U.S. Treasury FIO filings, Nevada ranks #43 of 51 by average premium ($1,253/yr) ≠ #32 of 50 by nonrenewal (0.89%). Cost rank is not withdrawal rank.

$1,253
State avg premium (#43 of 51): #32
Nonrenewal of 50 (0.89%): 89413
In-state premium ZIP #1 ($6,286): 89169
In-state nonrenewal ZIP #1 (2.04%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Nevada vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,253 Among the lowest premiums lower premium than 82% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Nevada pay an average of $1,253 per year for home insurance - 29% below the national average of $1,776. That ranks Nevada as the 43rd most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 8.3%; nonrenewal rates climbed by 12.7% over the same period.

On five-year premium growth (2018–2022), Nevada ranks 17th out of 51 states. Its nonrenewal rate (0.89%) ranks 32nd out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Nevada Compares

vs National Average

$1,253 vs $1,776

29% below national avg

Rank Among States

43rd of 51

most expensive for homeowners insurance

Loss Ratio vs National

55.8% vs 58.0%

insurers retain more margin here

Avg Premium

$1,253/yr

National avg: $1,776 (-29% below)

Premium Change

+8.3%

2018-2022 change

Avg Loss Ratio

55.8%

Claims paid vs premiums earned

Nonrenewal Rate

0.89%

+12.7% change

Data Snapshot: Nevada Homeowners Insurance

Across the 137 Nevada ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,253. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Nevada homeowner pays, gives $1,176 per year. That is 29% below the national average of $1,776 per year reported by the Federal Insurance Office. Nevada ranks 43rd most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $759 in 89018 to $6,286 in 89413.

Between 2018 and 2022, average premiums rose by 8.3% in Nevada, placing the state 17th nationally on five-year premium growth. The state-level loss ratio averaged 55.8%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 0.89% across the ZIP codes that report one (90% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a climb of 12.7% over the study period (ranking 32nd out of 50 states).

Within Nevada, premium dispersion across ZIP codes is substantial: the most expensive ZIP (89413 in Glenbrook) charges 728% more than the least expensive (89018 in Indian Springs), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Nevada

Nevada statewide - FIO 2018-2022 average: 56% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

137

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,157	$997	48.8%	3.42%	0.79%
2019	$1,184 (+2.3%)	$1,032	45.5%	3.12%	0.61%
2020	$1,230 (+3.9%)	$1,075	45.4%	2.99%	0.46%
2021	$1,242 (+1.0%)	$1,056	48.3%	3.31%	0.65%
2022	$1,253 (+0.9%)	$1,077	55.8%	3.49%	0.89%

Average homeowners premium per year in Nevada.

Most Expensive ZIP Codes in Nevada

Most Affordable ZIP Codes in Nevada

All ZIP Codes in Nevada

137 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
89413	Glenbrook	$6,286	45.3%	1.57%	N/A
89402	Crystal Bay	$4,475	49.4%	1.60%	N/A
89109	Las Vegas	$4,293	38.3%	9.91%	2.17%
89451	Incline Village	$3,519	16.7%	2.47%	0.54%
89448	Zephyr Cove	$2,948	42.1%	2.31%	0.85%
89161	Las Vegas	$2,441	30.7%	4.26%	3.19%
89449	Stateline	$2,090	69.6%	5.00%	0.65%
89501	Reno	$2,071	N/A	N/A	N/A
89511	Reno	$2,004	43.1%	2.83%	0.38%
89519	Reno	$1,875	43.6%	3.63%	0.39%
89411	Genoa	$1,764	17.0%	2.12%	1.06%
89704	Washoe Valley	$1,653	35.3%	4.48%	0.79%
89828	Lamoille	$1,609	6.2%	1.52%	N/A
89510	Reno	$1,569	54.1%	2.38%	1.19%
89135	Las Vegas	$1,547	55.8%	3.76%	0.76%
89124	Las Vegas	$1,502	33.5%	2.37%	1.51%
89004	Blue Diamond	$1,500	8.0%	2.38%	N/A
89509	Reno	$1,464	45.0%	3.42%	0.43%
89144	Las Vegas	$1,459	58.4%	4.52%	0.68%
89439	Verdi	$1,451	7.2%	1.76%	0.81%
89430	Smith	$1,446	N/A	N/A	N/A
89117	Las Vegas	$1,394	63.5%	4.64%	0.71%
89146	Las Vegas	$1,352	86.2%	5.64%	0.89%
89703	Carson City	$1,330	27.5%	3.14%	0.45%
89134	Las Vegas	$1,329	43.9%	4.09%	0.48%
89440	Virginia City	$1,321	134.0%	1.09%	0.73%
89410	Gardnerville	$1,320	71.7%	1.87%	0.42%
89120	Las Vegas	$1,316	82.1%	5.66%	0.88%
89102	Las Vegas	$1,307	91.1%	6.37%	1.33%
89460	Gardnerville	$1,295	22.2%	1.56%	0.47%
89444	Wellington	$1,289	35.5%	1.88%	0.81%
89131	Las Vegas	$1,288	55.1%	4.18%	0.52%
89001	Alamo	$1,276	38.9%	3.95%	N/A
89169	Las Vegas	$1,269	204.2%	8.22%	2.04%
89052	Henderson	$1,267	54.3%	4.49%	0.66%
89021	Logandale	$1,254	75.6%	4.10%	0.75%
89129	Las Vegas	$1,245	47.1%	4.18%	0.83%
89145	Las Vegas	$1,243	51.7%	4.85%	0.82%
89012	Henderson	$1,226	39.5%	3.86%	0.50%
89523	Reno	$1,219	36.8%	2.86%	0.47%
89149	Las Vegas	$1,204	29.8%	3.79%	0.76%
89705	Carson City	$1,196	20.5%	2.63%	0.33%
89815	Spring Creek	$1,195	33.8%	2.62%	0.79%
89141	Las Vegas	$1,195	44.8%	3.19%	0.81%
89128	Las Vegas	$1,194	70.9%	5.86%	0.92%
89025	Moapa	$1,188	19.0%	4.03%	N/A
89074	Henderson	$1,185	71.1%	4.86%	0.77%
89423	Minden	$1,181	12.6%	1.35%	0.34%
89121	Las Vegas	$1,176	118.8%	8.10%	1.78%
89107	Las Vegas	$1,168	106.8%	6.66%	1.69%
89085	North Las Vegas	$1,164	92.4%	4.22%	0.97%
89143	Las Vegas	$1,161	36.6%	3.64%	0.76%
89113	Las Vegas	$1,160	44.2%	2.89%	0.56%
89441	Sparks	$1,143	41.9%	1.86%	0.25%
89118	Las Vegas	$1,141	32.8%	2.82%	1.13%
89138	Las Vegas	$1,130	43.6%	2.53%	0.53%
89521	Reno	$1,129	26.5%	2.15%	0.50%
89123	Las Vegas	$1,107	62.6%	3.96%	0.68%
89508	Reno	$1,101	45.5%	2.65%	0.80%
89316	Eureka	$1,100	9.1%	3.18%	N/A
89130	Las Vegas	$1,097	49.6%	4.62%	0.52%
89014	Henderson	$1,092	63.6%	4.80%	0.61%
89139	Las Vegas	$1,086	36.6%	2.66%	0.88%
89835	Wells	$1,085	26.6%	3.72%	N/A
89019	Jean	$1,081	56.5%	4.24%	0.85%
89801	Elko	$1,080	23.8%	2.13%	0.71%
89502	Reno	$1,079	52.4%	2.09%	0.61%
89002	Henderson	$1,078	39.1%	3.57%	0.60%
89005	Boulder City	$1,077	53.5%	3.01%	0.52%
89110	Las Vegas	$1,076	79.6%	5.14%	0.97%
89820	Battle Mountain	$1,071	28.7%	3.97%	0.76%
89119	Las Vegas	$1,069	61.5%	6.42%	1.36%
89040	Overton	$1,059	33.1%	3.83%	1.33%
89106	Las Vegas	$1,057	104.7%	6.11%	1.60%
89436	Sparks	$1,051	30.2%	2.60%	0.40%
89104	Las Vegas	$1,042	115.5%	6.32%	1.30%
89007	Bunkerville	$1,035	311.8%	3.32%	0.95%
89103	Las Vegas	$1,029	74.7%	4.72%	1.31%
89419	Lovelock	$1,026	86.6%	2.33%	0.70%
89822	Carlin	$1,023	6.6%	2.02%	1.45%
89008	Caliente	$1,019	7.3%	1.51%	1.51%
89503	Reno	$1,019	44.3%	3.06%	0.65%
89032	North Las Vegas	$1,015	67.9%	4.16%	0.79%
89147	Las Vegas	$1,013	79.5%	4.60%	0.81%
89447	Yerington	$1,013	46.5%	2.36%	0.68%
89048	Pahrump	$1,012	58.2%	3.97%	0.54%
89445	Winnemucca	$1,012	27.7%	2.95%	0.46%
89183	Las Vegas	$1,012	35.7%	3.91%	0.99%
89701	Carson City	$1,006	34.1%	2.41%	0.35%
89156	Las Vegas	$1,006	43.1%	3.94%	0.83%
89403	Dayton	$1,005	29.0%	2.53%	0.51%
89434	Sparks	$1,002	28.8%	2.42%	0.44%
89148	Las Vegas	$999	42.0%	2.59%	0.58%
89406	Fallon	$999	45.5%	2.92%	0.59%
89043	Pioche	$998	125.4%	2.93%	2.13%
89108	Las Vegas	$996	85.5%	5.51%	1.07%
89015	Henderson	$996	71.9%	5.21%	0.78%
89011	Henderson	$995	45.4%	3.01%	0.79%
89442	Wadsworth	$995	33.8%	3.13%	N/A
89429	Silver Springs	$991	33.0%	3.01%	0.65%
89081	North Las Vegas	$990	36.5%	3.33%	0.77%
89142	Las Vegas	$986	62.8%	4.75%	0.99%
89031	North Las Vegas	$986	39.3%	3.35%	0.67%
89042	Panaca	$980	14.2%	2.86%	1.43%
89310	Austin	$977	8.8%	1.30%	N/A
89431	Sparks	$969	66.1%	2.79%	0.87%
89178	Las Vegas	$967	37.7%	2.86%	0.69%
89506	Reno	$967	44.1%	3.03%	0.72%
89512	Reno	$964	76.5%	3.58%	0.46%
89706	Carson City	$955	25.2%	2.62%	0.78%
89317	Lund	$953	43.4%	3.96%	N/A
89049	Tonopah	$943	11.2%	2.05%	0.34%
89020	Amargosa Valley	$942	42.4%	2.22%	3.33%
89101	Las Vegas	$933	121.5%	5.64%	1.73%
89045	Round Mountain	$932	65.2%	6.56%	0.82%
89408	Fernley	$930	56.4%	3.54%	0.45%
89301	Ely	$927	48.9%	2.82%	1.24%
89060	Pahrump	$927	36.7%	2.85%	0.92%
89030	North Las Vegas	$918	85.1%	4.92%	1.87%
89415	Hawthorne	$918	31.2%	3.03%	0.61%
89122	Las Vegas	$901	62.3%	4.41%	1.42%
89115	Las Vegas	$898	105.8%	4.16%	1.54%
89883	West Wendover	$892	11.6%	1.18%	0.88%
89029	Laughlin	$883	62.6%	2.46%	0.66%
89166	Las Vegas	$883	26.1%	2.37%	0.40%
89179	Las Vegas	$881	26.4%	2.41%	0.81%
89318	Mc Gill	$877	13.2%	1.08%	2.53%
89003	Beatty	$863	590.8%	5.32%	1.06%
89044	Henderson	$862	25.1%	2.02%	0.40%
89433	Sun Valley	$857	33.2%	2.64%	0.89%
89086	North Las Vegas	$853	21.5%	1.74%	0.58%
89319	Ruth	$840	N/A	N/A	1.19%
89084	North Las Vegas	$828	43.1%	2.49%	0.43%
89027	Mesquite	$825	25.2%	2.15%	0.58%
89061	Pahrump	$817	127.2%	2.30%	0.55%
89046	Searchlight	$780	57.2%	3.92%	N/A
89018	Indian Springs	$759	N/A	N/A	0.91%

Nevada Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Nevada compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Nevada

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Nevada ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

85.7

9th of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Nevada FIO ZIPs

Most common top hazard

Wildfire

7 of 16 counties

Highest FEMA NRI counties in Nevada
County	Risk score	Rating	Top hazard
Clark	99.6	Very High	Heat Wave
Washoe	96.7	Relatively High	Earthquake
Elko	87.9	Relatively Moderate	Wildfire

Counties with elevated FEMA hazard ratings in Nevada
Hazard	Elevated counties	Share of joined
Winter weather	6	38%
Wildfire	4	25%
Earthquake	2	13%
Flooding	2	13%
Hail	1	6%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Nevada: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,253/yr here).

Delaware $1,252/yr Ohio $1,263/yr Michigan $1,233/yr Arizona $1,226/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (0.89% here).

New Hampshire 0.89% Arkansas 0.89% District of Columbia 0.89% Vermont 0.90%

Frequently Asked Questions

What is the average homeowners insurance cost in Nevada? ▼

Averaged across the 137 Nevada ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,253 ($1,176 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 29% below the national average of $1,776.

How have insurance premiums changed in Nevada? ▼

Nevada homeowners insurance premiums changed by +8.3% between 2018 and 2022. The average loss ratio is 55.8%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Nevada? ▼

The most expensive ZIP code for homeowners insurance in Nevada is 89413, with an average premium of $6,286/yr. The most affordable is 89018 at $759/yr.

What is the nonrenewal rate for Nevada homeowners insurance? ▼

Averaged across the Nevada ZIP codes that report one (90% of the state's ZIP codes), the nonrenewal rate is 0.89%. This rate has changed by +12.7% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 89169 has the highest nonrenewal rate in the state at 2.04%.

What is a loss ratio and what does Nevada's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Nevada's average loss ratio is 55.8%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Nevada? ▼

The average claim frequency in Nevada is 3.49%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $20,545. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Nevada? ▼

Across 16 FEMA National Risk Index counties that join to Nevada ZIP codes in the FIO file, the mean county risk score is 85.7 (24% above the 50-state mean of 69.3). The most common county-level top hazard is Wildfire (7 of 16 counties). Elevated (Relatively High or Very High) county ratings concentrate in Winter weather (6), Wildfire (4), Earthquake (2). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Nevada in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Nevada ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Nevada Homeowners Insurance

How Nevada Compares

Data Snapshot: Nevada Homeowners Insurance

Loss Ratio Reading: Nevada

Premium Trends (2018-2022)

Average premium in Nevada, 2018–2022

Most Expensive ZIP Codes in Nevada

Most Affordable ZIP Codes in Nevada

All ZIP Codes in Nevada

Nevada Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

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