Flood insurance claims in Storey County, Nevada

FEMA records 10 National Flood Insurance Program claims in Storey County, Nevada, since 1995, with $36,034 paid in total. The year with the most claims was 1995, with 5. As of 3 August 2026, 7.6% of homes here had an NFIP policy, and 47.9% of homes in the high-risk flood zone did.

NFIP claims on record10

Total paid$36,034

Claims with a payment6

Homes with NFIP policy7.6%

High-risk zone homes insured47.9%

Residential policies in force178

Claims by year of loss

NFIP claims by year of loss, Storey County, Nevada

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
89434	10

4 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $34,366, contents $1,668, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	361	173	47.9%
All homes	2,330	178	7.6%

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.