Flood insurance claims in Humboldt County, Nevada

FEMA records 16 National Flood Insurance Program claims in Humboldt County, Nevada, since 1984, with $79,258 paid in total. The year with the most claims was 1984, with 12. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 6.3% of homes in the high-risk flood zone did.

NFIP claims on record16

Total paid$79,258

Claims with a payment11

Homes with NFIP policy0.1%

High-risk zone homes insured6.3%

Residential policies in force5

Claims by year of loss

NFIP claims by year of loss, Humboldt County, Nevada

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
89445	16

0 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $78,105, contents $1,153, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	79	5	6.3%
All homes	9,426	5	0.1%

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.