Flood insurance claims in Douglas County, Nevada

FEMA records 226 National Flood Insurance Program claims in Douglas County, Nevada, since 1982, with $4.3 million paid in total. The year with the most claims was 1997, with 101. As of 3 August 2026, 3.0% of homes here had an NFIP policy, and 31.5% of homes in the high-risk flood zone did.

NFIP claims on record226

Total paid$4.3 million

Claims with a payment169

Homes with NFIP policy3.0%

High-risk zone homes insured31.5%

Residential policies in force688

Claims by year of loss

NFIP claims by year of loss, Douglas County, Nevada

Paid on claims by year of loss (building, contents and increased cost of compliance), Douglas County, Nevada

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	100

ZIP codes with the most claims

ZIP code (as reported)	Claims
89460	93
89423	49
89411	38
89410	38
89448	5
89449	2
89444	1

159 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.9 million, contents $355,642, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,571	495	31.5%
All homes	22,978	688	3.0%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.