Home Insurance in Clark County, Nevada
The median home value in Clark County is $431,000, close to the Nevada median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Clark County was built around 1998. About 3% of homes were built before 1960, about 2 points below Nevada's 5%.
In Clark County, the housing stock is 66% single-family homes, 24% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 68% of owner-occupied homes in Clark County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 58% of occupied homes in Clark County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Clark County - 60% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Clark County's top hazards are inland flooding (Very High), wildfire (Relatively High) and earthquake (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Clark County had 1,362 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 | $431,000 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Very High), Wildfire (Relatively High), Earthquake (Relatively High) |
| Active NFIP flood policies (county) | 1,362 |
| 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)