Nevada's AB 376, in effect since January 1, 2026, lets insurers remove wildfire from standard homeowners and HOA policies and sell it as a separate policy. An insurer can't do this on its own. It first needs approval from the Nevada Division of Insurance, and as of August 2026 no northern Nevada ins

One of the key drivers of this high demand for homes is the scarcity of homes available for sale. Due to a variety of factors, including low interest rates and a shift towards remote work, there is a shortage of inventory in many markets across the country. This scarcity of homes is driving up price