Home Insurance in Caliente, Nevada
Homes in Caliente carry a median value of $189,800 - 14% lower than the Lincoln County median.
The typical home in Caliente was built around 1985. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 5 points below Lincoln County's 30%.
The housing stock in Caliente is 66% single-family homes, 16% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Caliente have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 57% of occupied homes in Caliente are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Caliente - 59% - 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.
Lincoln County had 62 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Lincoln County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $189,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Lincoln County | 62 |
| 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)