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Flood insurance cost · NV

Flood insurance cost in Nevada

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 7,863 home policies in force on August 31, 2026.

NevadaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$877a year

Half of insured homes paid between $717 and $1,123. That is 19% less than the national median ($1,082). Most insured homes here are rated in zone AO (53%).

$0$717 · $877 · $1,123$1,404
+5.7% vs Aug 31, 2025 (median $830)
7,863home policies in force
$991average cost (mean)
76%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Nevada, county by county.

Cost by flood zone in Nevada

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$913$696–$1,310$1,1071,196 (15%)+4.9%
Zone A
High risk		$914$714–$1,232$1,048582 (7%)+2.5%
Zone AO
High risk, shallow		$877$747–$1,091$9944,177 (53%)+8.7%
Zone AH
High risk, shallow		$918$585–$1,048$89445 (1%)+10.9%
Zone X
Moderate to low risk		$871$653–$1,087$8951,860 (24%)+1.8%

Not shown (fewer than 10 home policies): VE, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Nevada, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home6,550$877$962
2–4 unit building147$940$1,018
Manufactured (mobile) home1,063$1,048$1,212
Condo or apartment unit103$513$577
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		112$1,678$3,084
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		700$2,312$3,419
8,675NFIP policies in force, any building
8,930insured units (condo association policies count every unit)
47%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Nevada

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force8,2057,863−4.2%
Median annual cost$830$877+5.7%
Average annual cost$918$991+8.0%
All policies in force (any building)9,0238,675−3.9%

Flood claims history

Since 1978, NFIP policyholders in Nevada have filed 1,964 flood claims. 1,285 received a payment, for a total of $47.4 million (an average of $36,926 per paid claim). The year with the most claims was 1997 (470 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 11 claims1979: 13 claims1980: 28 claims, 15 paid, $48,520 in total19801982: 22 claims, 12 paid, $22,730 in total1983: 43 claims, 24 paid, $519,068 in total1984: 114 claims, 73 paid, $580,751 in total1985: 16 claims, 11 paid, $88,975 in total1986: 86 claims, 60 paid, $591,072 in total1990: 34 claims, 22 paid, $415,858 in total19901992: 13 claims1993: 15 claims1995: 30 claims, 17 paid, $125,763 in total1996: 23 claims, 14 paid, $244,353 in total1997: 470 claims, 375 paid, $19,771,609 in total19971998: 47 claims, 30 paid, $683,214 in total1999: 127 claims, 77 paid, $1,689,096 in total2000: 10 claims20002001: 11 claims2003: 36 claims, 24 paid, $961,823 in total2004: 13 claims2005: 197 claims, 159 paid, $10,634,906 in total20052006: 32 claims, 18 paid, $714,822 in total2008: 10 claims20102012: 58 claims, 33 paid, $1,472,344 in total2013: 24 claims, 10 paid, $222,500 in total2014: 71 claims, 46 paid, $1,351,407 in total2015: 31 claims, 19 paid, $280,366 in total2016: 15 claims2017: 167 claims, 109 paid, $3,466,645 in total201720202021: 44 claims, 21 paid, $672,119 in total2022: 13 claims2023: 38 claims, 25 paid, $925,645 in total2025: 17 claims, 15 paid, $724,059 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (33)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251715$724,059$48,271
20233825$925,645$37,026
202213<10––
20214421$672,119$32,006
2017167109$3,466,645$31,804
201615<10––
20153119$280,366$14,756
20147146$1,351,407$29,378
20132410$222,500$22,250
20125833$1,472,344$44,616
200810<10––
20063218$714,822$39,712
2005197159$10,634,906$66,886
200413<10––
20033624$961,823$40,076
200111<10––
200010<10––
199912777$1,689,096$21,936
19984730$683,214$22,774
1997470375$19,771,609$52,724
19962314$244,353$17,454
19953017$125,763$7,398
199315<10––
199213<10––
19903422$415,858$18,903
19868660$591,072$9,851
19851611$88,975$8,089
198411473$580,751$7,955
19834324$519,068$21,628
19822212$22,730$1,894
19802815$48,520$3,235
197913<10––
197811<10––

From 2016 to 2026: 294 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Nevada

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Elko County95$949
Eureka County13$2,027
Lincoln County60$1,535
White Pine County76$1,014

ZIP codes with the most insured homes