Home Insurance in Las Vegas, Nevada
The median home value in Las Vegas is $427,900, close to the Clark County median.
The typical home in Las Vegas was built around 1994. About 5% of homes were built before 1960, about 2 points above Clark County's 3%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Las Vegas is 68% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 69% of owner-occupied homes in Las Vegas have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 57% of occupied homes in Las Vegas are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
58% of homes in Las Vegas 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.
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 | $427,900 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)