Flood Insurance Nevada Consumer’s Guide
FLOOD DANGER
Flooding is the No. 1 natural disaster that Nevadans face and it can occur at any time of year. In Nevada, the most common causes of flooding are heavy rains, flash floods, new land development that can change natural drainage and the spring thaw of winter snow. Additionally, other causes — such as the 2008 levee breach in Fernley – also can lead to unexpected and often rapid flooding.
One of the most common and most devastating myths is that homeowners’ or commercial property insurance will cover loss or damage caused by flood. In fact, approximately one third of the homeowners surveyed recently by the National Association of Insurance Commissioners (NAIC) incorrectly believed that their homeowners’ insurance policy would cover flood damage.
It is critical to check now and evaluate if you have the protection you need for your dwelling/building and belongings in case of flood.