Flood insurance in Nevada: cost by ZIP code and county
Only 6,687 Nevada homes carry a single-family federal flood policy; the median bill was $876 on July 31, 2026.
Median single-family flood bill, Nevada
$876
6,687 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $909 |
| Policies still below their full-risk price | 33 % |
| Median paid in August 2023 | $689 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $4,545 |
| Median claim paid, 2016 to 2025 (131 claims) | $11,424 |
Compiled by Radif Partners · Where the numbers come from · 97 ZIP codes and 14 counties of Nevada in FEMA's tables · not a quote
Nevada is one of the smallest flood insurance markets in the country: 6,687 single-family federal policies on July 31, 2026, with a median yearly bill of $876 once the premium, the Reserve Fund Assessment, the HFIAA surcharge and the Federal Policy Fee are added together. That is about $73 a month. Prices are low and close to their final level, since the median full-risk bill of the same policies is only $909 and 33 % remain capped. The zone letter barely moves the price: A-zone homes paid a median $876, homes rated X $872. The surprise is where the policies are. Nye County, which includes Pahrump, holds 2,679 of them, more than Clark County around Las Vegas (1,088) or Washoe County around Reno (1,221). Nevada paid 131 single-family claims from 2016 to 2025.
A sliver of the national market
Floods reach insured Nevada homes inside and outside the mapped high-risk zones: of the 131 paid single-family claims, 46 were on homes rated X, B or C and 84 on homes in A zones.
The federal program covers relatively few of them. The 6,687 single-family policies in force on July 31, 2026 are a sliver of the national total, 0.2 %. With so few policies, a county median can rest on a few hundred homes, and the lookup above is the better guide for a single ZIP code.
Pahrump, Las Vegas and Reno
Nye County, which includes Pahrump, leads the state on policy count, and the data gives no reason for it. Its median bill was $866 on July 31, 2026. Clark County, despite its far larger population, had 1,088 policies at a median of $879. Washoe County, along the Truckee River, paid $913 and had the most claims in the state over the period, 63. Douglas County, around Minden and Gardnerville, showed $950. Lyon County had 235 policies at a median of $802, Churchill County 177 at $926, and Carson City 141 at $717.
One small county breaks the pattern. Storey County's 116 policies had a median bill of $1,297 and a full-risk median of $2,809, with 76 % still capped. Lincoln County had the widest current-to-full-risk ratio in FEMA's 2023 table.
A Nevada median bill, per month and per thousand dollars of cover
The same bill per month
$73
| Per $1,000 of building coverage | $3.50 |
| National median, per month | $90 |
| National median, per year | $1,081 |
Claims: few and modest
The median paid single-family claim in Nevada was $11,424, with A-zone and X-zone claims at almost the same median ($11,554 and $11,352). The largest event in the file, Tropical Storm Hilary in 2023, paid only 5 claims. FEMA's 2023 bands put 64 % of Nevada policies at a full-risk cost under $1,000 a year. For a renter in Las Vegas or Reno, the renters guide covers contents-only policies.
The Nevada counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Nye County | 2,679 | $866 | $902 | 37 % | 1 | $642 | $13,495 |
| Washoe County | 1,221 | $913 | $931 | 26 % | 1 | $775 | $10,681 |
| Clark County | 1,088 | $879 | $898 | 32 % | 1 | $698 | n/a |
| Douglas County | 637 | $950 | $1,015 | 34 % | 1 | $807 | $16,060 |
| Lyon County | 235 | $802 | $823 | 29 % | 1 | $779 | n/a |
| Churchill County | 177 | $926 | $940 | 42 % | 1 | $844 | n/a |
| Carson City, Consolidated Municipality of | 141 | $717 | $721 | 15 % | 1 | $701 | n/a |
| Storey County | 116 | $1,297 | $2,809 | 76 % | 5 | $756 | n/a |
Full-risk prices of Nevada homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 4,819 | 63.9 % | $383,716 |
| $1,000 to $2,000 | 2,123 | 28.2 % | $483,138 |
| $2,000 to $3,000 | 344 | 4.6 % | $425,872 |
| $3,000 to $4,000 | 147 | 2.0 % | $472,034 |
| $4,000 to $5,000 | 63 | 0.8 % | $595,760 |
| $5,000 or more | 45 | 0.6 % |
The floods that paid the most Nevada claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Tropical Storm Hilary | 2023 | 5 | $345,704 |