Nevada Home-Insurance Distress by County

Nevada reads below the national norm for home-insurance distress — 17 counties averaging 15/100, 45th of 52 states.

2 of Nevada's 17 counties score 70 or higher (severe).

Nevada's reading rests on a FEMA hazard average of 10/100 and NFIP flood-claim stress of 24/100.

Over three years Nevada counties filed 27 NFIP flood claims, $812,627 paid.

Highest in Nevada: Washoe County 88/100 (#156 US), Douglas County 76/100 (#482 US), Nye County 27/100 (#1765 US), Lincoln County 20/100 (#2317 US), Clark County 20/100 (#2338 US).

Nevada counties by insurance band: 11 zero (Nevada), 4 low, 2 high; Nevada NFIP claims, three years: 27; Nevada payouts $812,627.

Nevada counties with the most NFIP claims: Nye 10 ($188,973); Douglas 9 ($529,456); Washoe 3 ($68,307) in Nevada; Lincoln 2 ($13,000); Clark 2 ($9,041).

Nevada county average rose: 13.9 in March 2026; Nevada reads 14.6 in October 2026; Nevada by month: March 13.9, April 13.9, May 13.8 (Nevada), June 13.8, July 13.6, August 13.6 (Nevada), September 13.6, October 14.6.

Highest Nevada ZIPs, insurance distress: 60456 0 (climate 100), 98055 0 (climate 100) in Nevada, 60643 0 (climate 100), 89178 0 (climate 100) in Nevada, 98125 0 (climate 100), 98174 0 (climate 100) in Nevada.

Reading the Nevada bands: 2 of 17 Nevada counties sit in a high or worse insurance band; Nevada filed 27 NFIP claims in three years, $812,627 paid to Nevada policyholders; a Nevada county's band moves when FEMA hazard revisions, new Nevada NFIP settlements or carrier filings change its monthly score.