Home Insurance in Reno, Nevada
With a median home value of $548,300, Reno is close to the Washoe County median.
The typical home in Reno was built around 1990. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 12% of homes were built before 1960, about 2 points above Washoe County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Reno is 56% single-family homes, 32% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
65% of owner-occupied homes in Reno carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Reno are owner-occupied.
Most homes in Reno - 57% - are primarily heated with natural gas.
FEMA rates Washoe County's overall risk as Relatively High, led by earthquake (Relatively High). Washoe County had 1,929 active NFIP flood policies as of September 2026. See the full Washoe County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $548,300 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Washoe County | 1,929 |
| 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)