Home Insurance in Henderson, Nevada
The median home value in Henderson is $484,900, 13% higher than the Clark County median.
The typical home in Henderson was built around 2001. About 2% of homes were built before 1960, about 1 point below Clark County's 3%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Henderson breaks down to 76% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 68% of owner-occupied homes in Henderson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Henderson has an owner-occupancy rate of 66% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Henderson, 70% of homes are primarily heated with natural gas.
Clark County had 1,362 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Very High). 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.
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 | $484,900 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)