Flood insurance claims in Elko County, Nevada

FEMA records 31 National Flood Insurance Program claims in Elko County, Nevada, since 1984, with $141,900 paid in total. The year with the most claims was 2017, with 15. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 8.3% of homes in the high-risk flood zone did.

NFIP claims on record31

Total paid$141,900

Claims with a payment18

Homes with NFIP policy0.5%

High-risk zone homes insured8.3%

Residential policies in force97

Claims by year of loss

NFIP claims by year of loss, Elko County, Nevada

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
89801	25
89828	2
89831	2
89835	1
89830	1

25 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $137,313, contents $4,586, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,002	83	8.3%
All homes	21,401	97	0.5%

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.