Home Insurance in Boulder City, Nevada
Homes in Boulder City carry a median value of $435,600 - close to the Clark County median.
The typical home in Boulder City was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 16% of homes were built before 1960, about 13 points above Clark County's 3%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Boulder City is 72% single-family homes, 9% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 50% of owner-occupied homes in Boulder City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Boulder City are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Boulder City, 57% of homes are primarily heated with natural gas.
FEMA rates Clark County's overall risk as Very High, led by inland flooding (Very High). Clark County had 1,362 active NFIP flood policies as of September 2026. See the full Clark County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Nevada is $1,013 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $435,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Inland Flooding (Very High) |
| Active NFIP policies in Clark County | 1,362 |
| 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)