Flood insurance cost · Mineral County, NV
Flood insurance cost in Mineral County, Nevada
What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 115 home policies in force on August 31, 2026.
Median annual cost of NFIP flood insurance for a home
$612a year
Half of insured homes paid between $544 and $770. That is 30% less than the Nevada median ($877). Most insured homes here are rated in zone AO (62%).
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.
Cost by flood zone in Mineral County
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 zone | Median | Middle half (25th–75th percentile) | Average | Policies | vs last year |
|---|---|---|---|---|---|
| Zone AE High risk | $603 | $539–$770 | $649 | 24 (21%) | +2.4% |
| Zone A High risk | $584 | $529–$728 | $629 | 17 (15%) | −2.0% |
| Zone AO High risk, shallow | $629 | $572–$783 | $714 | 71 (62%) | +6.6% |
Not shown (fewer than 10 home policies): VE, AH, A99/AR, X, 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 Mineral County, by what they insure.
| Type of building | Policies | Median | Average |
|---|---|---|---|
| Single-family home | 97 | $604 | $654 |
| Manufactured (mobile) home | 16 | $720 | $864 |
Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association), non-residential building or unit.
One year on: Mineral County
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, 2025 | Aug 31, 2026 | Change | |
|---|---|---|---|
| Home policies in force | 112 | 115 | +2.7% |
| Median annual cost | $589 | $612 | +3.9% |
| Average annual cost | $655 | $683 | +4.3% |
| All policies in force (any building) | 120 | 126 | +5.0% |
How many homes have flood insurance?
FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.
Flood claims history
Fewer than 10 NFIP flood claims have been recorded in Mineral County, Nevada since 1978, so we do not show claim figures here.
Main NFIP communities in the county
Unincorporated Mineral County (115 home policies)