Home Insurance in Yerington, Nevada
The median home value in Yerington is $284,800, 22% lower than the Lyon County median.
The typical home in Yerington was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 31% of homes were built before 1960, about 24 points above Lyon County's 6%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Yerington is 72% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
In Yerington, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Yerington are owner-occupied.
Most homes in Yerington - 83% - are primarily heated with natural gas.
Lyon County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Lyon County had 349 active NFIP flood policies as of September 2026. See the full Lyon 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 | $284,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Lyon County | 349 |
| 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)