Homeowners Insurance in Reno, NV

For a home at Reno's median value of $548,300, we estimate about $1,280 a year — +26% versus the Nevada NAIC average of $1,013.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Reno

Est. premium

$1,280

$107/mo · median home

Median home value

$548,300

Nevada: $435,400

Median year built

1990

Census ACS

Owner-occupied

49.8%

of households

Hazard score

78.4

state ref. 70.1

Reno's estimate reflects its home values (26% higher than the state median) and FEMA's hazard profile for Washoe County.

Natural hazard risk in Reno

FEMA National Risk Index — Washoe County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	59.0	Comprehensive (car); roof claims (home)
Tornado	Very Low	14.3	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	94.5	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	71.0	Comprehensive; dwelling
Winter weather	Very High	99.0	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively High	99.0	Comprehensive; dwelling
Earthquake	Relatively High	99.2	Home needs a separate earthquake policy
Lightning	Relatively High	90.9	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 Reno

Dwelling value	Wood frame	Brick / masonry
$200,000	$570	$525
$300,000	$790	$725
$500,000	$1,185	$1,090
$750,000	$1,640	$1,510

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Reno

ZIP	Median home value	Owner-occupied	Est. premium
89506	$410,700	70.7%	$1,015
89502	$413,200	35.7%	$1,020
89521	$667,700	68.9%	$1,495
89523	$607,300	60.8%	$1,385
89509	$703,700	55.5%	$1,560
89503	$467,200	45.6%	$1,125
89512	$382,900	28.6%	$960
89508	$452,700	94.1%	$1,095
89519	$932,900	76.4%	$1,955
89501	$414,000	22.2%	$1,020

Homeowners insurance in Nevada · Car insurance in Reno · Insurance offices near Reno

Frequently asked questions

How much is homeowners insurance in Reno?

For a home at Reno's median value of $548,300, we estimate about $1,280 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 Reno?

FEMA's National Risk Index rates Washoe County relatively high or very high for inland (river) flooding, winter weather, wildfire, earthquake, and lightning.

Does the age of homes in Reno affect insurance?

Yes. The median home in Reno was built in 1990 (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 Washoe County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page