{
  "schema_version": "1.0.0",
  "title": "Nevada home-insurance official-data extraction (2026 source review)",
  "publisher": {
    "name": "Valley West Insurance, Inc.",
    "url": "https://valleywestinsurance.services/",
    "nv_doi_agency_license": "1021906",
    "npn": "17531339"
  },
  "created": "2026-08-19",
  "source_title": "Nevada Division of Insurance 2025 Insurance Market Report",
  "source_url": "https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/News_and_Notices/NDOI%20IMR%202025%20Final.pdf",
  "geography": "Nevada",
  "reuse_note": "Attribute the official figures to the Nevada Division of Insurance. Attribute this transcription and scope-note compilation to Valley West Insurance. Recheck the current official source before reuse.",
  "limitations": "These are statewide historical counts or market totals, not Clark County policy prices, address-level probabilities, current quotes, forecasts, actuarial conclusions, or carrier recommendations.",
  "rows": [
    {"metric_id":"nv_home_cancel_nonrenew_total_2022","metric":"Home insurance policies canceled or nonrenewed","year":"2022","value":115477,"unit":"policies","geography":"Nevada","source_page":"2025 Insurance Market Report pp. 35-36","source_url":"https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/News_and_Notices/NDOI%20IMR%202025%20Final.pdf","scope_note":"All reported home-policy cancellations and nonrenewals; not limited to wildfire and not Clark County specific."},
    {"metric_id":"nv_home_cancel_nonrenew_wildfire_2022","metric":"Home insurance policies canceled or nonrenewed due to wildfire risk","year":"2022","value":264,"unit":"policies","geography":"Nevada","source_page":"2025 Insurance Market Report pp. 35-36","source_url":"https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/News_and_Notices/NDOI%20IMR%202025%20Final.pdf","scope_note":"Statewide count attributed to wildfire risk in the Division's data calls."},
    {"metric_id":"nv_home_declined_wildfire_2022","metric":"Home insurance applications declined due to wildfire risk","year":"2022","value":2439,"unit":"applications","geography":"Nevada","source_page":"2025 Insurance Market Report pp. 35-36","source_url":"https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/News_and_Notices/NDOI%20IMR%202025%20Final.pdf","scope_note":"Statewide application count; not a quote-request or Clark County count."},
    {"metric_id":"nv_home_cancel_nonrenew_total_2023","metric":"Home insurance policies canceled or nonrenewed","year":"2023","value":157953,"unit":"policies","geography":"Nevada","source_page":"2025 Insurance Market Report pp. 35-36","source_url":"https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/News_and_Notices/NDOI%20IMR%202025%20Final.pdf","scope_note":"All reported home-policy cancellations and nonrenewals; not limited to wildfire and not Clark County specific."},
    {"metric_id":"nv_home_cancel_nonrenew_wildfire_2023","metric":"Home insurance policies canceled or nonrenewed due to wildfire risk","year":"2023","value":481,"unit":"policies","geography":"Nevada","source_page":"2025 Insurance Market Report pp. 35-36","source_url":"https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/News_and_Notices/NDOI%20IMR%202025%20Final.pdf","scope_note":"Statewide count attributed to wildfire risk in the Division's data calls."},
    {"metric_id":"nv_home_declined_wildfire_2023","metric":"Home insurance applications declined due to wildfire risk","year":"2023","value":4994,"unit":"applications","geography":"Nevada","source_page":"2025 Insurance Market Report pp. 35-36","source_url":"https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/News_and_Notices/NDOI%20IMR%202025%20Final.pdf","scope_note":"Statewide application count; not a quote-request or Clark County count."},
    {"metric_id":"nv_home_direct_written_premium_2023","metric":"Home insurance direct premium written","year":"2023","value":928922739,"unit":"USD","geography":"Nevada","source_page":"2025 Insurance Market Report p. 55 Exhibit VII","source_url":"https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/News_and_Notices/NDOI%20IMR%202025%20Final.pdf","scope_note":"All 71 companies in the exhibit; 59 were active. This is market premium volume, not the price of a policy."},
    {"metric_id":"nv_home_active_companies_2023","metric":"Active home insurance companies","year":"2023","value":59,"unit":"companies","geography":"Nevada","source_page":"2025 Insurance Market Report p. 55 Exhibit VII","source_url":"https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/News_and_Notices/NDOI%20IMR%202025%20Final.pdf","scope_note":"The report defines active as writing positive direct premium during the calendar year."},
    {"metric_id":"nv_home_top5_market_share_2023","metric":"Largest five home insurance groups' market share","year":"2023","value":57.43,"unit":"percent","geography":"Nevada","source_page":"2025 Insurance Market Report p. 55 Exhibit VII","source_url":"https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/News_and_Notices/NDOI%20IMR%202025%20Final.pdf","scope_note":"Group-level statewide market share; not evidence that every group or product is available for a specific address."},
    {"metric_id":"nv_wildfire_homes_destroyed_1994_2024","metric":"Homes estimated destroyed by wildfire","year":"1994-2024","value":168,"unit":"homes","geography":"Nevada","source_page":"2025 Insurance Market Report p. 34","source_url":"https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/News_and_Notices/NDOI%20IMR%202025%20Final.pdf","scope_note":"Nevada Division of Insurance estimate covering the 31-year period; not a forecast and not an insured-loss count."}
  ]
}