Flood insurance claims in Washoe County, Nevada

FEMA records 754 National Flood Insurance Program claims in Washoe County, Nevada, since 1978, with $30.9 million paid in total. The year with the most claims was 1997, with 307. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 30.9% of homes in the high-risk flood zone did.

NFIP claims on record754

Total paid$30.9 million

Claims with a payment566

Homes with NFIP policy0.8%

High-risk zone homes insured30.9%

Residential policies in force1,357

Claims by year of loss

NFIP claims by year of loss, Washoe County, Nevada

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	288
Tropical Storm Hilary	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
89431	234
89502	186
89506	55
89521	50
89503	47
89511	38
89509	33
89523	14
89501	14
89704	13

556 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $21.0 million, contents $9.9 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	2,714	838	30.9%
All homes	161,088	1,357	0.8%

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.