Short answer: Nevada property policies generally exclude flood. Check FEMA maps, then buy NFIP or private flood coverage. The Nevada Division of Water Resources Floodplain Management Program coordinates the NFIP for the state and publishes a Nevada NFIP quick guide for communities and consumers.
This guide is general information for Nevada property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
Maps and coverage
Look up the property in FEMA's Flood Map Service Center. Flash flooding in desert washes and alluvial fans can affect parcels outside mapped SFHAs. Buy ahead of monsoon season through FloodSmart. Most new NFIP policies have a 30-day waiting period.
State floodplain office
The Nevada Division of Water Resources Floodplain Management Program coordinates the National Flood Insurance Program for Nevada. NDWR publishes The National Flood Insurance Program in Nevada Quick Guide for communities and the public. Contact the program for floodplain-ordinance and mapping questions; contact FloodSmart or your agent for policy quotes.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Nevada.
Frequently asked questions
Who is Nevada's NFIP coordinator?
The Nevada Division of Water Resources Floodplain Management Program.
Where can I read Nevada's NFIP quick guide?
On the Division of Water Resources Floodplain Management page.
Do Nevada homeowners policies cover flood?
Generally no. Buy NFIP or private flood coverage separately.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.