Home Insurance in West Wendover, Nevada
Homes in West Wendover carry a median value of $139,700 - 54% lower than the Elko County median.
The typical home in West Wendover was built around 1989. About 0% of homes were built before 1960, about 10 points below Elko County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in West Wendover is 29% single-family homes, 11% apartments in buildings with 5+ units and 47% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 19% of owner-occupied homes in West Wendover have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
West Wendover has an owner-occupancy rate of 56% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in West Wendover - 57% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near West Wendover? FEMA's National Risk Index points to wildfire (Relatively High) in Elko County and Elko County had 120 active NFIP flood policies as of September 2026. See the full Elko County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $139,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Elko County | 120 |
| 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)