Home Insurance in Lincoln County, Nevada
With a median home value of $219,500, Lincoln County is 50% lower than the Nevada median.
The typical home in Lincoln County was built around 1982. About 30% of homes were built before 1960, about 26 points above Nevada's 5%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lincoln County is 76% single-family homes, 5% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
About 56% of owner-occupied homes in Lincoln County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Lincoln County are owner-occupied.
Most homes in Lincoln County - 58% - 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.
FEMA's National Risk Index lists wildfire (Relatively Moderate), earthquake (Relatively Low) and inland flooding (Relatively Low) as the leading hazards for Lincoln County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Lincoln County had 62 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 | $219,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Earthquake (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 62 |
| Home insurance premium | $1,013 - statewide average (NAIC, 2023 data) |
Towns and cities
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)