Flood insurance in Nevada

Flood insurance policies, average premiums, flood zones and claims history for Nevada, county by county, from official FEMA records.

Policies as of 5 September 2026Source: FEMA OpenFEMA
Active flood policies
9,075
NFIP policies in force
Average yearly premium
$931
$339 below the US average
Claims paid since 1978
$47.4M
across 1,964 claims
Policies in high-risk zones
76%
zones A and V, where known

Flood claims paid per year

NFIP claims paid in Nevada, 2000–2026

The three costliest years. The worst was 2005, with $10.6 million paid on 197 claims.

Insured buildings by flood zone

Zone V / VE0%
Coastal high-hazard areas with wave action. Flood insurance is required with a federally backed mortgage.
Zone A / AE76%
High-risk areas with a 1% chance of flooding each year. Insurance is required with a federally backed mortgage.
Zone X, B, C24%
Moderate to low risk. Insurance is optional, and policies are usually much cheaper.

Zone not reported for 39% of policies; shares are of policies with a known zone.

Costliest flood events

Named events by NFIP claims paid in Nevada

EventYearClaimsPaid
Flooding1997414$19.5 million
Flooding1999111$1.6 million
Las Vegas Flash Flooding20222$512 thousand
Tropical Storm Hilary20238$346 thousand
Flooding19965$137 thousand

Flood insurance by county

Counties in Nevada with detailed pages, by number of policies. 9 smaller counties are included in the state totals.

CountyPoliciesAvg premiumClaims since 1978Paid
Nye County3,500$754136$1.3 million
Washoe County1,960$1,456754$30.9 million
Clark County1,376$807626$9.3 million
Douglas County755$862226$4.3 million

Common questions

How much does flood insurance cost in Nevada?

The average NFIP flood insurance policy in Nevada costs about $931 a year. Your own premium depends on your building's flood risk, elevation and the coverage you choose.

How many homes have flood insurance in Nevada?

There are about 9,075 National Flood Insurance Program policies in force in Nevada, according to FEMA's latest policy data. Private flood policies are not included.

How often does Nevada flood?

Since 1978, NFIP policyholders in Nevada have filed 1,964 flood claims, with $47.4 million paid out. 304 of those claims were in the last 10 years.

Does homeowners insurance cover flooding?

No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.

How long until a new flood policy starts?

NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.

How to get flood insurance

Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.