Homeowners Insurance in North Las Vegas, NV
For a home at North Las Vegas's median value of $404,400, we estimate about $945 a year — −7% versus the Nevada NAIC average of $1,013.
Estimated homeowners insurance cost in North Las Vegas
North Las Vegas's estimate reflects its home values (7% lower than the state median) and FEMA's hazard profile for Clark County.
Natural hazard risk in North Las Vegas
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 97.3 | Comprehensive (car); roof claims (home) | |
| Tornado | 9.2 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 66.5 | Comprehensive; dwelling | |
| Winter weather | 61.6 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 99.1 | Comprehensive; dwelling | |
| Earthquake | 99.1 | Home needs a separate earthquake policy | |
| Lightning | 85.9 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in North Las Vegas
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $540 | $495 |
| $300,000 | $745 | $685 |
| $500,000 | $1,120 | $1,030 |
| $750,000 | $1,550 | $1,430 |
Home Insurance Estimator
Homeowners insurance by ZIP code in North Las Vegas
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 89031 | $407,300 | 73.1% | $950 |
| 89115 | $282,300 | 35.1% | $710 |
| 89030 | $271,600 | 35.3% | $690 |
| 89032 | $371,400 | 62.2% | $885 |
| 89081 | $420,500 | 67.0% | $975 |
| 89084 | $454,400 | 76.0% | $1,040 |
| 89086 | $438,800 | 54.9% | $1,010 |
| 89085 | $473,900 | 84.6% | $1,075 |
Homeowners insurance in Nevada · Car insurance in North Las Vegas · Insurance offices near North Las Vegas
Frequently asked questions
How much is homeowners insurance in North Las Vegas?
For a home at North Las Vegas's median value of $404,400, we estimate about $945 a year for a standard HO-3 policy with a $1,000 deductible. The Nevada NAIC average is $1,013.
What are the biggest natural hazards in North Las Vegas?
FEMA's National Risk Index rates Clark County relatively high or very high for hail, inland (river) flooding, wildfire, earthquake, and lightning.
Does the age of homes in North Las Vegas affect insurance?
Yes. The median home in North Las Vegas was built in 2003 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Nevada, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Clark County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Clark County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)