Flood insurance claims in Lincoln County, Nevada

FEMA records 6 National Flood Insurance Program claims in Lincoln County, Nevada, since 1993, with $13,000 paid in total. The year with the most claims was 2026, with 2. As of 3 August 2026, 2.2% of homes here had an NFIP policy, and 14.6% of homes in the high-risk flood zone did.

NFIP claims on record6

Total paid$13,000

Claims with a payment1

Homes with NFIP policy2.2%

High-risk zone homes insured14.6%

Residential policies in force63

Claims by year of loss

NFIP claims by year of loss, Lincoln County, Nevada

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
89008	6

4 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $10,000, contents $3,000, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	410	60	14.6%
All homes	2,813	63	2.2%

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.