How Much Is Flood Insurance in Nevada? Average Flood Insurance Cost and Coverage

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ByMark Fitzpatrick
Edited byKathryn Schroeder
ByMark Fitzpatrick
Edited byKathryn Schroeder

Updated: May 22, 2024

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The cost of flood insurance in Nevada varies by county and property risk factors, including the home structure, elevation, and cost of replacement and repairs. Flood damage is typically not covered by renters or homeowners insurance policies. Using a flood map, you can determine the likelihood of flooding in your area.

Even if your region poses little risk, flood insurance can prevent you from paying astronomically high costs in the event of unexpected damages from a flood. The Federal Emergency Management Agency (FEMA) reports that just one inch of water can cause damages of up to $25,000.

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Flood insurance includes structural coverage and contents coverage. The NFIP has a $250,000 limit for structure and $100,000 for contents.

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Your flood insurance quote in Nevada may vary because of coverage amount and deductible, as well as your home's age, location, design and flood risk.

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Flood insurance costs around $799 per year in Nevada. The rate varies by county.

Average Cost of Flood Insurance in Nevada

Nevada has an average annual cost of $799 per year for flood insurance, but every home is priced differently. Depending on the home's unique risks and its proximity to a flood zone, the flood insurance cost may vary greatly. Consequently, residents of locations with a moderate to high risk of flooding will pay higher premiums.

Average Cost of Flood Insurance by County in Nevada

On average, Nevadans pay around $32 more per year for flood insurance than the average American. That might be because the state has more low-lying regions that could flood.

MoneyGeek found that Nye County's average cost of $468 per year is the cheapest in Nevada, while Lander County is the highest at around $1,421. Below is a breakdown of the annual premium for flood insurance by county in Nevada.

Nevada Flood Insurance Cost Per County
CARSON CITYAverage Cost$792
CLARK COUNTYAverage Cost$801
DOUGLAS COUNTYAverage Cost$805
ELKO COUNTYAverage Cost$1,347
EUREKA COUNTYAverage Cost$1,389
LANDER COUNTYAverage Cost$1,421

Companies That Offer Flood Insurance in Nevada

Residents of Nevada can purchase flood insurance via the National Flood Insurance Program (NFIP) or private insurance companies. Either a base policy (the same as NFIP coverage) or an excess policy (supplemental coverage) can be obtained from private insurers. If a household is not properly protected by NFIP’s coverage or is outside an NFIP community, a private provider may be the best solution.

Private Flood Insurance Providers in NV and Their Contact Numbers

Neptune Flood


Aon Private Flood


Hiscox - FloodPlus


FloodSimple Insurance Services




There are insurance companies that work with the NFIP to provide flood insurance in Nevada. All of the insurance companies in Nevada that are partnered with the National Flood Insurance Program and their contact information is in the table below.

NFIP-Participating Flood Insurance Providers in State and Their Contact Numbers

Allstate Insurance Company

(800) 527-2634

American Family Mutual Ins. Co

(800) 692-6326

American Nat. Prop. & Casualty

(417) 887-4990

American Strategic Ins. Corp.

(866) 274-8765


(800) 423-4403

Bankers Insurance Group, DBA: First Community Insurance Company

(800) 627-0000

CSAA Insurance Exchange

(888) 222-0094

Farmers Insurance Group

(866) 865-2965

How to Purchase Flood Insurance and Its Coverage Requirements

With no requirements for flood insurance, it is easy to acquire. You can begin the process by contacting the NFIP toll-free helpline (877-336-2627), your insurance agent or a private insurance provider.

Since the National Flood Insurance Program has a 30-day waiting period, it’s best to get flood insurance as soon as you can. And most private insurers have a 10-day average wait before policies take effect. Contact your insurance provider to confirm.

What Does Flood Insurance Cover in Nevada?

A home may sustain property damage of as much as $25,000 from only one inch of floodwater. With flood insurance, you can rebuild or restore the structure and get reimbursement for damaged personal belongings.

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"Flood" in the context of flood insurance only refers to water damage brought on by natural disasters or weather events. Floods because of broken pipes or leaking appliances are not covered by flood insurance in Nevada or anywhere else.

Only structural damage to a house or personal property is covered by a flood insurance policy. Flood-related damage to vehicles, cash and documents, pools, decks and patios, landscaping and basement contents are not covered. You should add comprehensive insurance to your auto policy as protection from flooding for a car.

Flood Insurance Building Coverage

Flood insurance building coverage pays to fix or replace your home's structure if it's damaged by a covered disaster. An NFIP policy can provide you with up to $250,000 worth of coverage.

Here are some of the things that flood insurance covers:

  • Foundation walls
  • Electrical systems
  • Plumbing systems
  • Furnaces, central heating and air conditioning
  • Built-in appliances
  • Permanent carpets
  • Built-in furniture

Flood Insurance Contents Coverage

Your flood insurance contents coverage is for the repair or replacement of your personal property that is damaged or lost in a flood. The NFIP coverage maximum for contents is $100,000.

Listed below are some of the personal items often covered by flood insurance:

  • Clothing
  • Furniture
  • Electronic equipment
  • Washers and dryers
  • Artwork

Factors That Affect Flood Insurance Costs in Nevada

Before October 2021, a home's location on a flood map determined how much flood insurance would cost. An interactive map via FEMA shows Nevada’s historical flood risk as well as the average costs associated with flooding.

Pershing County has had the fewest floods (three) of the Nevada counties since 1996, and the annual premium costs around $493. In contrast, Clark County has had the highest number of floods (164) and costs, on average, $801 a year for flood insurance.

Clark County has the highest history of flooding but not the highest premium. That may be due to floods being spread over a larger region.

Risk Rating 2.0

FEMA's risk rating methodology (Risk Rating 2.0), launched in October 2021, assesses particular property risks, such as:

  • Foundation type
  • Dwelling structure
  • Elevation
  • Replacement and repair costs
  • Frequency of flooding
  • Proximity to water bodies

Through Risk Rating 2.0, you can expect fair flood insurance rates in Nevada. Nonetheless, your location affects your flood insurance costs substantially. MoneyGeek covers a few factors affecting flood insurance costs in Nevada below.

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    Flood Risk

    There are various flood-prone regions in Nevada, which can have a serious effect on your premium if you live in one. Because Risk Rating 2.0 calculates flood risk on an individual basis, your risk and that of your neighbor may vary.

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    Coverage Type

    The type of coverage or the level of protection you choose affects the price you pay, with a higher premium associated with a comprehensive policy. Coverage and cost will also vary by county.

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    Your premium will be less for a policy with a higher deductible. However, you will be responsible for covering this sum when a claim is made. Usually, deductibles range from $1,000 to $10,000.

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    Age of Structure

    Flood insurance companies consider the age of your home when setting rates. You might anticipate higher costs if your home is quite old.

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    Structure Design

    Your home's design and the materials it was built with are considered along with its age when determining a rate.

Do You Need Flood Insurance in Nevada?

Most renters and homeowners insurance policies do not cover flooding. Flooding may happen anywhere, so purchasing flood insurance is wise, even for people living in low- or moderate-risk zones. However, those in high-risk zones with a government-backed mortgage must get flood insurance.

NFIP or private flood insurance has its advantages. Even if the president doesn't declare a disaster, your insurer will cover your home’s flood damage to policy limits. The typical household maximum for federal disaster help is $5,000. Generally, the costs associated with flood damage exceed that limit.

Flood insurance, as a whole, offers people financial protection and peace of mind.

Frequently Asked Questions About Nevada Flood Insurance

It's natural if the idea of flood insurance seems unfamiliar. MoneyGeek answers the frequently asked questions pertaining to flood insurance in Nevada to help you.

What is the average cost of flood insurance in Nevada?
Which companies offer flood insurance in Nevada?
What kind of damage does flood insurance cover?
What affects flood insurance rates in Nevada?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.