Flood Help Guide

Nevada flood insurance and flood history

From FEMA's flood insurance and disaster data · Updated 2026-10-08

1,964NFIP flood claims since 1978
$47.4 millionPaid on those claims
$35,505Average paid claimlast 10 years
0.8%Homes with NFIP flood insurance
7Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 1,964 flood insurance claims in Nevada since 1978. The NFIP paid $47.4 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).

The year with the most claims was 1997, with 470, mostly from Flooding.

In the last ten years (2017–2026) there were 304 claims, and the average paid claim was $35,505.

33% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 0.8% of homes in Nevada had an NFIP flood policy in FEMA's latest count (7,964 of 1,038,659 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 30% (6,086 of 20,235).

Since 2000, FEMA has made 7 flood-related disaster declarations covering parts of Nevada. The most recent was DR-4708-NV (Severe Winter Storms, Flooding, Landslides, and Mudslides), declared April 27, 2023.

Flood insurance claims in Nevada by year

NFIP flood claims per year in Nevada, 1978 to 202601252503755001978: 11 claims, $12,320 paid1979: 13 claims, $22,876 paid1980: 28 claims, $48,520 paid19801981: 8 claims, $1,027 paid1982: 22 claims, $22,730 paid1983: 43 claims, $519,068 paid1984: 114 claims, $580,751 paid1985: 16 claims, $88,975 paid1986: 86 claims, $591,072 paid1987: 6 claims, $4,026 paid1988: 1 claims, $0 paid1989: 2 claims, $2,854 paid1990: 34 claims, $415,858 paid19901991: 7 claims, $14,812 paid1992: 13 claims, $58,121 paid1993: 15 claims, $9,676 paid1994: 4 claims, $0 paid1995: 30 claims, $125,763 paid1996: 23 claims, $244,353 paid1997: 470 claims, $19.8 million paid1998: 47 claims, $683,214 paid1999: 127 claims, $1.7 million paid2000: 10 claims, $58,177 paid20002001: 11 claims, $26,873 paid2002: 4 claims, $0 paid2003: 36 claims, $961,823 paid2004: 13 claims, $4,578 paid2005: 197 claims, $10.6 million paid2006: 32 claims, $714,822 paid2007: 9 claims, $34,369 paid2008: 10 claims, $34,610 paid2009: 6 claims, $0 paid2010: 8 claims, $37,903 paid20102011: 5 claims, $13,749 paid2012: 58 claims, $1.5 million paid2013: 24 claims, $222,500 paid2014: 71 claims, $1.4 million paid2015: 31 claims, $280,366 paid2016: 15 claims, $197,251 paid2017: 167 claims, $3.5 million paid2018: 6 claims, $1,000 paid2019: 7 claims, $58,712 paid2020: 2 claims, $0 paid20202021: 44 claims, $672,119 paid2022: 13 claims, $560,658 paid2023: 38 claims, $925,645 paid2024: 6 claims, $75,568 paid2025: 17 claims, $724,059 paid2026: 4 claims, $13,000 paid
NFIP claims per year by year of loss. Hover or tap a bar for the count and amount paid. 2026 is partial.
Show as a table
YearClaimsPaid
20264$13,000
202517$724,059
20246$75,568
202338$925,645
202213$560,658
202144$672,119
20202$0
20197$58,712
20186$1,000
2017167$3.5 million
201615$197,251
201531$280,366
201471$1.4 million
201324$222,500
201258$1.5 million
20115$13,749
20108$37,903
20096$0
200810$34,610
20079$34,369
200632$714,822
2005197$10.6 million
200413$4,578
200336$961,823
20024$0
200111$26,873
200010$58,177
1999127$1.7 million
199847$683,214
1997470$19.8 million
199623$244,353
199530$125,763
19944$0
199315$9,676
199213$58,121
19917$14,812
199034$415,858
19892$2,854
19881$0
19876$4,026
198686$591,072
198516$88,975
1984114$580,751
198343$519,068
198222$22,730
19818$1,027
198028$48,520
197913$22,876
197811$12,320

Biggest flood events by NFIP payments

The flood events FEMA's claims data names most often for Nevada, ranked by what the NFIP paid. FEMA names events in its claims records; claims without an event name aren't included here.

EventYearClaimsPaid
Flooding1997414$19.5 million
Flooding1999111$1.6 million
Las Vegas Flash Flooding20222$511,624
Tropical Storm Hilary20238$345,704
Flooding19965$137,403
Flooding198429$106,386

Flood history by county

Every Nevada county in FEMA's data, sorted by number of NFIP claims since 1978. "Insured" is the share of homes with an NFIP policy.

CountyClaimsPaidInsuredFlood declarations
Washoe County754$30.9 million0.8%3
Clark County626$9.3 million0.2%1
Douglas County226$4.3 million3.0%4
Nye County136$1.3 million13.3%0
Carson City91$559,3891.0%3
Elko County31$141,9000.5%2
Lyon County24$678,5701.2%4
Humboldt County16$79,2580.1%1
Storey County10$36,0347.6%4
White Pine County8$1,5111.4%0
Churchill County7$24,6701.4%1
Lincoln County6$13,0002.2%2
Pershing County4$18,8530.1%0
Lander County3$1,0583.0%0
Eureka County1$5880.8%1
Mineral County1$2,6634.2%1
Esmeralda County0$00.0%0

Flood-related FEMA disaster declarations in Nevada

Declarations since 2000 that FEMA lists as involving flooding. "Help for individuals" means FEMA's Individual Assistance was approved for at least part of the area.

DeclarationDeclaredEventHelp for individuals
DR-4708-NV Apr 27, 2023 Severe Winter Storms, Flooding, Landslides, and Mudslides No
DR-4307-NV Mar 27, 2017 Severe Winter Storms, Flooding, and Mudslides No
DR-4303-NV Feb 17, 2017 Severe Winter Storms, Flooding, and Mudslides No
DR-4202-NV Nov 5, 2014 Severe Storms and Flooding No
DR-1738-NV Jan 8, 2008 Severe Winter Storms and Flooding Yes
DR-1629-NV Feb 3, 2006 Severe Storms and Flooding No
DR-1583-NV Mar 7, 2005 Heavy Rains and Flooding No

What to do with this

A county's history doesn't tell you your own building's risk. To see your property's flood zone, use FEMA's flood map lookup. To weigh coverage, start with do I need flood insurance? and what flood insurance costs.

Where these numbers come from

All figures on this page are calculated from FEMA's public OpenFEMA datasets:

FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.