InsureWatch

89014

Moderate37

Henderson, Nevada — Clark County

Pop. 41,469Median Income $69,848Median Home $377,900
0/ 100Moderate Risk

2025 Estimated Premium

$1,251/yr

+14.6% from 2022 actual ($1,092)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$1,092

+3.4%

2018–2025

Nonrenewal Rate

0.61%

2018–2022

Claim Frequency

4.8%

Avg Claim Amount

$14,472

Score Breakdown

Premium Level (25%)14
Premium Trend (20%)67
Nonrenewal Risk (20%)27
Storm Exposure (15%)62
Affordability (10%)21
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201850 events1 fatalities
Property damage$3,942,000
5 hail18 flood
19
201917 events
Property damage$84,000
1 hail8 flood
20
20206 events
Property damage$43,000
1 hail2 flood
21
202142 events
Property damage$1,711,000
1 hail16 flood
22
202233 events2 fatalities
Property damage$298,000
1 hail16 flood
23
202339 events4 fatalities
Property damage$25,820,000
1 hail26 flood
24
202413 events1 fatalities
Property damage$28,000
2 hail3 flood
25
202544 events2 fatalities
Property damage$1,216,000
7 hail13 flood

Nearby ZIP Codes

89074Henderson, NV
40Moderate
89120Paradise, NV
47Elevated
89122Whitney, NV
42Elevated
89012Henderson, NV
36Moderate
89121Paradise, NV
55Elevated

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.