Home Insurance in Mesquite, Nevada
With a median home value of $388,600, Mesquite is 10% lower than the Clark County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mesquite was built around 2004. About 1% of homes were built before 1960, about 2 points below Clark County's 3%.
In Mesquite, the housing stock is 78% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Mesquite, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Mesquite are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mesquite - 93% - are primarily heated with electricity.
What's the biggest home insurance risk near Mesquite? FEMA's National Risk Index points to inland flooding (Very High) in Clark County and 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.
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 | $388,600 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 81% |
| 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)