ZIP 89109 Insurance Data

Data Snapshot: ZIP 89109 (Las Vegas, NV)

ZIP 89109 (Las Vegas, NV) shows an average homeowners insurance premium of $4,293 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 673 reported policies. That is 142% above the national average of $1,776 per year, placing this ZIP in the 98th percentile nationally. Compared to the Nevada state average of $1,253, this ZIP runs 243% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 89109 is 38.3%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 9.91%, and the average claim severity (amount paid per claim) is $16,616. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.17% in this ZIP, a drop of 5.6% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 89109 have risen by 96.8%, ranging from $2,182 to $4,293 with a five-year average of $3,101 — an annualized rate of +18.4% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.