Home Insurance in Churchill County, Nevada
The median home value in Churchill County is $329,900, 24% lower than the Nevada median.
The typical home in Churchill County was built around 1990. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 12% of homes were built before 1960, about 7 points above Nevada's 5%.
In Churchill County, the housing stock is 72% single-family homes, 3% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Churchill County, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Churchill County has an owner-occupancy rate of 70% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Churchill County - 55% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Churchill County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Churchill County had 181 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Nevada carries a statewide average premium of $1,013 per year.
Key figures
| Median home value | $329,900 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 181 |
| Home insurance premium | $1,013 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)