ZIP 89501 Insurance Data

Data Snapshot: ZIP 89501 (Reno, NV)

ZIP 89501 (Reno, NV) shows an average homeowners insurance premium of $2,071 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 2,590 reported policies. That is 17% above the national average of $1,776 per year, placing this ZIP in the 78th percentile nationally. Compared to the Nevada state average of $1,253, this ZIP runs 65% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 89501 have risen by 23.7%, ranging from $1,675 to $2,071 with a five-year average of $1,791 — an annualized rate of +5.5% 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.