1,960 flood insurance claims·$47.4M paid·8,930 policies in force
Shaded areas are FEMA’s mapped flood hazard zones in and around Nevada. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Nevada experiences a mixed flood risk profile dominated heavily by flash floods, which accounted for 761 events and 13 deaths over the last 30 years, alongside 177 general flood events resulting in 10 deaths.
Federal disaster records reflect the state's vulnerability to severe winter storms, flooding, landslides, and mudslides, resulting in multiple disaster declarations issued on March 8, 2023. These severe weather events underscore the hazards associated with heavy seasonal precipitation and runoff.
National Flood Insurance Program claims data indicates that risk extends across multiple zone categories. The highest concentration of claims occurs in FEMA Zone A, with 1,202 claims totaling $35 million paid and an average claim of $42,443, demonstrating that properties in designated high-risk zones face the greatest financial exposure. However, significant activity also occurs outside of primary high-risk areas. Zone X recorded 416 claims totaling $8 million paid, unshaded X areas recorded 117 claims totaling $3 million paid, and shaded X areas recorded 57 claims totaling $1 million paid. An additional 170 claims totaling $1 million were recorded in unknown zones, alongside two claims in Zone D. This distribution shows that while residents in Zone A have the most urgent need for coverage, property owners in Zone X and unshaded X areas also experience surprise claims and substantial payouts, highlighting that flood risk exists outside traditional high-risk zones.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data. NFIP policies in force and average premium (premium plus federal policy fee) as of August 31, 2026, from OpenFEMA.
Nevada has received 289 federal disaster declarations, including 25 flood and coastal storm declarations.
NFIP claims by county, 1978 to date. Source: OpenFEMA. Counties ranked by recorded flood events →
Properties in Nevada FEMA-designated Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance through the National Flood Insurance Program (NFIP).
Nevada had 8,930 NFIP policies in force on August 31, 2026, and the average NFIP premium was $946 a year (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top, and nationally they make actual bills about a quarter higher). Under FEMA’s Risk Rating 2.0 each building is priced on its own flood risk, so a state average says little about what any one home will pay.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Nevada residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
See the most flood-prone counties in Nevada →
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