Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Nevada
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Nevada ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Clark County | $959 | Very High | $400,800 |
| 2 | Nye County | $1,116 | Relatively Low | $266,000 |
| 3 | Pershing County | $1,234 | Very Low | $166,200 |
| 4 | Washoe County | $1,399 | Relatively High | $496,600 |
| 5 | Lyon County | $1,405 | Relatively Low | $342,600 |
| 6 | Churchill County | $1,594 | Relatively Low | $298,000 |
| 7 | White Pine County | $1,622 | Very Low | $196,700 |
| 8 | Carson City | $1,734 | Relatively Low | $426,700 |
| 9 | Lander County | $1,772 | Very Low | $210,500 |
| 10 | Douglas County | $2,116 | Relatively Moderate | $587,400 |
| 11 | Humboldt County | $2,251 | Very Low | $256,800 |
| 12 | Mineral County | $2,325 | Very Low | $175,000 |
| 13 | Esmeralda County | $2,658 | Very Low | $102,500 |
| 14 | Lincoln County | $2,982 | Very Low | $208,900 |
| 15 | Elko County | $3,817 | Relatively Moderate | $282,400 |
| 16 | Storey County | $6,051 | Very Low | $393,100 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Nevada