Harmony Pointe Homeowners Association
C/o Navada Community Management, Las Vegas, NV, 89147
Mixed signals — review carefully
County hazard exposure is the main driver — FEMA rates Clark County Very High for natural hazards.
Based on 5 of 9 public-record signals · How the CondoScore works
The CondoScore is an automated summary of public-record signals. It is not a rating of building safety, not an appraisal, and not a lending or insurance decision.
The 3-second read
Signals from government records — tap any tile for the source.Public records on file: 5 of 9
56%Still blank: Stories, Year built, Management, Mapped location.
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How Harmony Pointe Homeowners Association compares
That makes it larger than 44% of the 3,036 Clark County communities with a home count on record.
Know the risks before you buy
Natural-hazard profile — Clark County
Overall county risk: Very High compared with other U.S. counties.
FEMA expects natural hazards to cost $813M per year across Clark County as a whole (buildings, people, and agriculture combined).
County-level ratings from FEMA's National Risk Index (Dec 2025 data) — relative to other U.S. counties, not specific to this building.
Flood claim history — ZIP 89147
Federal flood insurance has paid $0 across 2 claims in this ZIP code since 1981.
ZIP-level history for the whole ZIP code, not this building. Source: OpenFEMA NFIP claims (redacted, public domain).
What those hazards mean for insurance
- Separate policyFlood. Not covered by standard condo or homeowners policies — flood damage needs a separate NFIP or private flood policy (for both the association and your unit). FEMA FloodSmart
- Separate policyEarthquake. Typically excluded from standard policies — earthquake coverage is a separate policy or endorsement with its own (often percentage) deductible. Colorado DOI buyer’s guide
- Typically excludedEarth movement. Landslide and other earth movement are typically excluded from home policies — and usually not covered by earthquake policies either. Specialty coverage only. Oregon DFR
- Special deductibleWind & hail. Usually covered, but many policies apply a separate wind/hail deductible — a flat amount or a percentage of the dwelling coverage. Virginia SCC guide
How policies typically treat these perils — not a coverage determination for this building. Check the association’s master policy and your own unit (HO-6) policy.
What condo owners pay — state average
- Nevada average: $488/yr for a condo unit-owner (HO-6) policy — 15% below the U.S. average of $572 (2022, the latest state-by-state study). NAIC
- Flood is separate: standard condo policies don’t cover flood — NFIP flood policies in Nevada average $937/yr across 8,923 policies in force (June 30, 2026). FEMA
Averages for the geography shown — not a quote for this building. Actual premiums vary by insured value, deductibles, construction, and insurer.
The insurance market in Nevada
- If the private market says no: Nevada has no state property insurer of last resort — hard-to-place buildings turn to surplus-lines insurers. Nevada Division of Insurance
State-level market facts verified against the linked official sources (July 2026) — not a quote or availability determination for this building. Consumer help: Nevada Division of Insurance.
Insurance market in Nevada
State-level market rules, not a quote for this building. They shape what cover the association can buy and what it costs. NAIC state filings
Get the free Harmony Pointe Homeowners Association report
Here's exactly what's inside:
- The CondoScore, plus the signal that drives it
- Every public record we hold on this building
- FEMA flood-claim history for this ZIP, and the county hazard rating
- Typical HO-6 insurance cost near here, and the Nevada market rules
- How its size compares with the county and state
- Where to request the official documents, with direct links
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What would living here cost per month?
Your scenario, your math. The HO-6 figure is a geography-level average from state/NAIC filings — not a quote for this building. Dues and special assessments come from the association's own documents — always request the budget, reserve study, and meeting minutes before you sign.
Rules that hit your wallet
- Aug 3, 2026 — Fannie Mae retires Limited Review: most condo loans need full project review — National Mortgage Professional
- Jan 4, 2027 — associations must budget at least 15% of assessments to reserves for agency-backed loans — Whiteford client alert
- Since Jul 1, 2026 — insurance deductibles above $50K can fail a building for financing — condo-approval.com
Why it matters in Nevada: buildings that miss these marks can lose access to normal 30-year mortgages — which shrinks the pool of buyers when you resell. Run the free 5-minute check.
What would a special assessment cost you here?
If Harmony Pointe Homeowners Association ever levied a special assessment — for a roof, structural repairs, or an insurance shortfall — here's the math per home, using the 95 homes on public record:
Your scenario, your math — assumes an even split. Actual allocations follow the association's declaration and may weight by unit size or share.
Is Harmony Pointe Homeowners Association mortgage-ready?
Answer 12 plain-English questions and see how this building lines up with Fannie Mae's published standards. Free, no account.
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