Flood Insurance
Standard homeowners and renters insurance does not cover flood-related damage to your house or personal items. Even if a flooded area is declared a federal disaster area, federal aid is usually provided in the form of low-interest loans.
Flood coverage is available through a separate policy from the National Flood Insurance Program (NFIP).
Locating a Flood Insurance Provider
Most insurance companies that offer homeowners, renters, condo owners, and business owners insurance in Nevada also offer NFIP-backed flood insurance policies. Policies are available to cover residential and commercial structures and property.
To locate a flood insurance provider in the state of Nevada visit FloodSmart.gov/flood-insurance-provider or call (888-379-9531).
Assessing Your Flood Risk
While Nevada may have a dry climate, heavy rains, flash floods, and the spring thaw of winter snow are regular annual occurrences. In addition to new land development that can change natural drainage, our landscape is susceptible to erosion, mudslides, and flooding in areas where recent fires may have destroyed much of the vegetation or the land.
To find out more or assess your risk, read our Nevada Consumer's Guide to Flood Insurance.
Assessing Your Coverage Before and After a Flood
Recovering after a flood event takes time and can be overwhelming. FEMA’s National Flood Insurance Program (NFIP) is dedicated to getting you back on your feet faster. Use the following information to file a claim, document damage, work with your adjuster, make repairs, and understand your claim payment.
Starting Your Recovery After a Flood
Your National Flood Insurance Program (NFIP) policy works with your homeowners or commercial property insurance to cover any sustained damage. You will likely need to file insurance claims with both entities and work with multiple adjusters.
Wind Damage vs Water Damage: What You Need To Know When Filing A Claim
After a flood event, you may not be sure what is included in flood insurance as it pertains to basements. Basement coverage through FEMA’s National Flood Insurance Program (NFIP) is limited.
What Does Flood Insurance Cover In A Basement?
Flood Insurance Resources
For a full list of information on the National Flood Insurance Program and flood insurance resources provided by the FEMA, please visit: https://www.fema.gov/flood-insurance
NFIP offers a wide range of publications, videos, and online tools that help policyholders navigate the flood insurance process before, during, and after disasters.
Links to additional NFIP flood resources may be found here:
NFIP Printable Flood Resources
NFIP Printable Flood Resources (Spanish)
Digital resources can be downloaded, and certain print publications can be ordered for free using the Publications Order Form.