Home Insurance in Lander County, Nevada
The median home value in Lander County is $213,800, 51% lower than the Nevada median.
The typical home in Lander County was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 5 points above Nevada's 5%.
In Lander County, the housing stock is 41% single-family homes, 2% apartments in buildings with 5+ units and 50% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Lander County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Lander County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Lander County are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively Moderate), earthquake (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Lander County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Lander County had 115 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $213,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Earthquake (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 115 |
| Home insurance premium | $1,013 - statewide average (NAIC, 2023 data) |
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)