Home Insurance in Pershing County, Nevada
The median home value in Pershing County is $179,500, 59% lower than the Nevada median.
The typical home in Pershing County was built around 1984. About 17% of homes were built before 1960, about 12 points above Nevada's 5%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Pershing County, the housing stock is 37% single-family homes, 4% apartments in buildings with 5+ units and 53% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Pershing County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pershing County has an owner-occupancy rate of 73% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pershing County, 32% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively Low), earthquake (Very Low) and winter weather (Relatively Low) as the leading hazards for Pershing County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Pershing County had 3 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.
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 | $179,500 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 3 |
| 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)