Home Insurance in North Las Vegas, Nevada
With a median home value of $404,400, North Las Vegas is 6% lower than the Clark County median.
The typical home in North Las Vegas was built around 2003. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 3% of homes were built before 1960, in line with Clark County (3%).
Housing in North Las Vegas breaks down to 79% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 76% of owner-occupied homes in North Las Vegas have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in North Las Vegas are owner-occupied.
Most homes in North Las Vegas - 69% - are primarily heated with natural gas.
What's the biggest home insurance risk near North Las Vegas? 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.
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 | $404,400 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)