Nevada
flood insurance data
- Of the 214 owner registrations FEMA inspected in Nevada after disasters of every declared type, 12.6% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-1738, SEVERE WINTER STORMS AND FLOODING (declared 2008-01-08), with 214.
- The median paid claim, $9,466, is 74.6% below the national median of the same years ($37,248), the 5th lowest of 51 States and territories.
- Nevada counts 8 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 3rd fewest of 53 States and territories. Severe Storm declarations are the most frequent (5), ahead of Flood (2) and Hurricane (1).
- 2017 alone holds 57.2% of the paid claims (year of loss 2015-2024).
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Nevada
NFIP premiums: what NFIP policyholders paid, not a quote. Across 8,220 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $865, and half of them fall between $699 (Q1) and $1,082 (Q3).
Residential NFIP policies counted by FEMA fell 18.3% between 2019 (10,062) and 2025 (8,220); the first year, 2019, has the highest count of the 7. The median NFIP premium in Nevada, $865, is 18.0% below the national median ($1,055); it is the 9th lowest of 53 States and territories. With 8,220 residential NFIP policies effective 2025, Nevada has the 21st fewest of 53 States and territories.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 6,278 | $709 | $861 | $1,087 |
| Outside SFHA (X, B, C) | 1,939 | $664 | $872 | $1,079 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AO | 4,392 | $715 | $848 | $1,034 |
| X | 1,939 | $664 | $872 | $1,079 |
| AE | 1,231 | $695 | $909 | $1,305 |
| A | 599 | $704 | $898 | $1,204 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 10,062 |
| 2020 | 9,692 |
| 2021 | 9,584 |
| 2022 | 9,161 |
| 2023 | 8,918 |
| 2024 | 8,510 |
| 2025 | 8,220 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 8,220 policies.
NFIP paid building claims in Nevada
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 187 paid claims; median $9,466, half of them between $2,745 (Q1) and $28,386 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $11,686, a monetary adjustment, not today’s cost of repair.
With 187 paid claims (year of loss 2015-2024), Nevada has the 6th fewest of 53 States and territories.
| Event | Paid claims | Share |
|---|---|---|
| Tropical Storm Hilary | 5 | 2.7% |
| Las Vegas Flash Flooding | 1 | 0.5% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 19 |
| 2016 | 3 |
| 2017 | 107 |
| 2018 | 1 |
| 2019 | 3 |
| 2020 | 0 |
| 2021 | 21 |
| 2022 | 5 |
| 2023 | 25 |
| 2024 | 3 |
FEMA disaster declarations
Since 2000: 8 flood, hurricane and severe-storm declarations (DR and EM) covering Nevada, 7 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 2 |
| Hurricane | 1 |
| Severe Storm | 5 |
Latest declarations
- DR-4708: SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (Flood, 2023-04-27)
- DR-4307: SEVERE WINTER STORMS, FLOODING, AND MUDSLIDES (Severe Storm, 2017-03-27)
- DR-4303: SEVERE WINTER STORMS, FLOODING, AND MUDSLIDES (Severe Storm, 2017-02-17)
- DR-4202: SEVERE STORMS AND FLOODING (Flood, 2014-11-05)
- DR-1738: SEVERE WINTER STORMS AND FLOODING (Severe Storm, 2008-01-08)
FEMA assistance to homeowners
Since 2002: 214 owner registrations inspected by FEMA in Nevada after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 40 |
| $1-$10,000 | 117 |
| $10,001-$20,000 | 16 |
| $20,001-$30,000 | 14 |
| More than $30,000 | 27 |
Disasters with the most inspections
- DR-1738, SEVERE WINTER STORMS AND FLOODING (declared 2008-01-08): 214 inspections
NFIP communities and flood maps
FEMA’s Community Status Book lists 36 NFIP communities in Nevada: 35 participate in the NFIP and 10 (27.8%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 5 (Henderson, City of and Las Vegas, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Nevada dates from 2007-12-04 (Mesquite, City of). 1 of these communities do not participate in the NFIP; 1 carry a sanction, 0 coded as a suspension and 0 as a withdrawal.
| CRS class | Communities |
|---|---|
| 5 | 2 |
| 6 | 3 |
| 7 | 3 |
| 9 | 1 |
| 10 | 1 |
Questions about flood insurance in Nevada
How much is flood insurance in Nevada?
NFIP policyholders in Nevada paid a median of $865 for residential policies effective 2025 (8,220 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $699 and $1,082; $861 inside the Special Flood Hazard Area against $872 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Nevada had?
187 NFIP building claims were paid (year of loss 2015-2024), with a median of $9,466; the year with the most was 2017 (107), and the named event with the most was Tropical Storm Hilary (5). These are amounts paid, not repair cost.
Is Nevada in a flood zone?
Of the residential NFIP policies of Nevada (policies effective 2025), 6,278 are rated inside the Special Flood Hazard Area and 1,939 outside it (zones listed: AO, X, AE, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A state figure mixes very different counties and flood zones. Method and limits.
Source and notice
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).