Home Insurance in Lyon County, Nevada
The median home value in Lyon County is $366,100, 16% lower than the Nevada median.
The typical home in Lyon County was built around 1998. About 6% of homes were built before 1960, about 2 points above Nevada's 5%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lyon County is 75% single-family homes, 3% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
About 64% of owner-occupied homes in Lyon County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Lyon County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lyon County - 67% - are primarily heated with natural gas. Homes heated with propane 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 Moderate) and winter weather (Relatively High) as the leading hazards for Lyon County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Lyon County has 349 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $366,100 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Earthquake (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 349 |
| 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)