Flood insurance claims in Nye County, Nevada

FEMA records 136 National Flood Insurance Program claims in Nye County, Nevada, since 1983, with $1.3 million paid in total. The year with the most claims was 2021, with 38. As of 3 August 2026, 13.3% of homes here had an NFIP policy, and 40.9% of homes in the high-risk flood zone did.

NFIP claims on record136

Total paid$1.3 million

Claims with a payment54

Homes with NFIP policy13.3%

High-risk zone homes insured40.9%

Residential policies in force3,377

Claims by year of loss

NFIP claims by year of loss, Nye County, Nevada

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

Named flood events with the most claims

Event (FEMA name)	Claims
Tropical Storm Hilary	6

ZIP codes with the most claims

ZIP code (as reported)	Claims
89048	105
89060	22
89041	5
89061	3
89049	1

130 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.3 million, contents $7,482, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	8,124	3,324	40.9%
All homes	25,453	3,377	13.3%

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.