Home Insurance in Fallon, Nevada
With a median home value of $282,700, Fallon is 14% lower than the Churchill County median.
The typical home in Fallon was built around 1985. About 16% of homes were built before 1960, about 4 points above Churchill County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Fallon is 67% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Fallon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 51% of occupied homes in Fallon are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
74% of homes in Fallon are primarily heated with natural gas.
Churchill County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Churchill County had 181 active NFIP flood policies as of September 2026. See the full Churchill County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Nevada, the statewide average premium for a standard HO-3 homeowners policy is $1,013 per year (NAIC, 2023 data).
Key figures
| Median home value | $282,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Churchill County | 181 |
| Home insurance premium | $1,013 - statewide average (NAIC, 2023 data) |
Nearby towns
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)