FEMA flood zones · Nevada

Churchill County, Nevada Flood Zone Map

7 flood insurance claims·$24,670 paid

8% of Churchill County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Churchill County, 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.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In flood insurance claims here that reported a flood depth, the average was 1 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.

Flood claims, year by year

The worst year was 2017, with 3 claims and $14,820 paid, the year of Severe Winter Storms, Flooding, and Mudslides.

1984: 1 claims1985: 1 claims1989: 1 claims2014: 1 claims2017: 3 claims1980199020002010

Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.

Federal disasters

7 federal disaster declarations since 1996.

DisasterBegan
Severe Winter Storms, Flooding, And MudslidesFeb 5, 2017
Hurricane Katrina EvacuationAug 29, 2005
SnowJan 6, 2005
Record And/or Near Record SnowDec 29, 2004
Severe Storms, Flooding, Mud And LandslidesDec 20, 1996

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

6 since 1996: 2 flash floods and 4 river or area floods.

EventDateDamage
Flash FloodMay 22, 2014—
FloodOct 4, 2010$25,000
Flash FloodMay 31, 2009—
FloodJan 25, 1997—
FloodJan 1, 1997—
FloodDec 12, 1996$100,000

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flash Flood · May 22, 2014. Thunderstorms over central Nevada developed and moved west during the afternoon and evening of the 22nd. In addition to localized heavy rain, thunderstorm outflows pushed into western Nevada in the evening bringing a significant dust storm to some areas between Reno and Fernley.

Flood · Oct 4, 2010. Low pressure remained over central and southern CA for several days bringing periods of thunderstorms with heavy rain for western NV.

Flash Flood · May 31, 2009. Thunderstorms brought small hail and locally heavy rainfall to western Nevada.

Flood · Jan 25, 1997. The East Carson River and the mainstem Truckee in western Nevada rose above flood stage for a short period of time. Urban and small stream flooding occurred in parts of western Nevada as well. For a better description, please see storm entry for floods in Nevada zones from 1/01/97 to 1/17/97.

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Churchill County

If a building in Churchill County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.