Home Insurance in Storey County, Nevada
The median home value in Storey County is $426,400, close to the Nevada median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Storey County was built around 1989. About 12% of homes were built before 1960, about 7 points above Nevada's 5%.
The housing stock in Storey County is 78% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Storey County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Storey County has an owner-occupancy rate of 96% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
43% of homes in Storey County are primarily heated with propane. Homes heated with propane and 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 winter weather (Relatively Low) as the leading hazards for Storey County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Storey County had 177 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 | $426,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Earthquake (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 177 |
| Home insurance premium | $1,013 - statewide average (NAIC, 2023 data) |
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)