Henderson, NV Flood Zone Map
Last updated: August 2026
Henderson faces flash flood risk from desert washes and storm runoff from the surrounding mountains. Rapid development in the Las Vegas metro area has increased flood exposure in previously undeveloped desert terrain.
Clark County has recorded 626 NFIP flood insurance claims since 1978, totaling $9.3M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 9
NFIP Policies
1,612
Clark County
Avg. Premium
$790/yr
Clark County
NFIP Flood Insurance Claims: Clark County
Properties in Clark County have filed 626 NFIP flood insurance claims totaling $9.3M in payouts since 1978. The average claim payout is $15K.
Highest-Claim Years
1999
122 claims - $1.7M
1984
85 claims - $460K
2012
45 claims - $1.5M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Clark County
Only roughly 1 in 554 households in Clark County carries NFIP flood insurance (0.2% of estimated households). With 398 recorded flood events and $117.8M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.2%
roughly 1 in 554 households
Historical Claims Ratio
1 in 3
626 claims over 45+ years across 1,612 current policies
Avg. Claim Payout
$14,840
Per claim, county-wide since 1978
Historically, Clark County has averaged 1 claim for every 3 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Henderson.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Clark County
Clark County has 17 properties with multiple flood insurance losses, including 1 severe repetitive loss properties. 2 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
17
2+ claims within 10 years
Severe Repetitive Loss
1
4+ claims or 2 exceeding value
Mitigated
2
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Flood Insurance Discount: Henderson
Henderson participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 5
SFHA Premium Discount
25% off
CRS classes range from 1 (best) to 10 (no discount). Henderson's Class 5 rating means NFIP policyholders in the SFHA can receive up to a 25% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Federal Flood Disaster History: Clark County
Clark County has been included in 3 federal flood-related disaster declarations.
These declarations affected communities across Clark County, including Henderson.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Clark County
NOAA has recorded 398 flood events in Clark County since 1996, causing $117.8M in damage and 13 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Clark County
FEMA has funded mitigation for 72 properties in Clark County, investing $992K in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
Levee Protection: Henderson
The USACE National Levee Database lists 2 levee systems protecting parts of Henderson. A system's FEMA accreditation status determines how its protected area is mapped: accredited levees are typically mapped as Zone X, while non-accredited or provisionally accredited systems generally leave their protected area in the Special Flood Hazard Area (often Zone AR or A99) until certification is complete.
Clark County Levee 1
AccreditedProtects against: River Mountain Wash - Sponsor: City of Henderson Public Works - 5.63 sq mi protected
Duck Creek Diversion Dike
AccreditedProtects against: Bootleg Wash - Sponsor: City of Henderson Public Works - 2.51 sq mi protected
Source: USACE National Levee Database. Data sourced August 2026. Learn how levees affect flood zone mapping.
FEMA Flood Risk Profile: Clark County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Very HighEst. annual loss: $362.2M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Henderson
Henderson is vulnerable to flash flooding, where intense rainfall overwhelms drainage systems and sends water rushing through streets, arroyos, or low-lying areas within minutes. Unlike river flooding, flash floods arrive with little warning and can be deadly in urban areas and desert terrain. The most common FEMA flood zone designations in Henderson are Zone AE, Zone AO, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $362.2M. Henderson has Zone AO areas subject to sheet-flow flooding, where shallow water spreads across broad, flat terrain rather than channeling through waterways.
Flash flood risk is difficult to predict by zone alone because intense localized rainfall can flood areas outside mapped SFHA boundaries. Under Risk Rating 2.0, FEMA accounts for distance to water, drainage characteristics, and rainfall intensity, not just the flood zone line on a map. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flash flood zone boundaries may shift when FEMA updates its stormwater drainage studies or when new development changes runoff patterns. Urbanization, in particular, increases impervious surface area and can expand flood risk into previously unaffected neighborhoods. Use our free lookup tool to check the current flood zone for any Henderson address.
Henderson, NV Flood Zone FAQ
What flood zones are in Henderson, NV?
The most common FEMA flood zones in Henderson are Zone AE, Zone AO, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Henderson?
If your Henderson property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in Henderson?
Enter your Henderson address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Henderson offer flood insurance discounts?
Yes. Henderson participates in FEMA's Community Rating System (CRS) with a Class 5 rating, qualifying residents in the Special Flood Hazard Area for up to a 25% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Henderson experienced major flooding events?
Clark County, where Henderson is located, has been part of 3 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Katrina Evacuation in 2005. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Henderson?
Clark County has recorded 626 NFIP flood insurance claims totaling $9.3M in payouts since 1978. The year with the most claims was 1999, with 122 claims and $1.7M in payouts. These figures cover all NFIP claims in the county, including Henderson.
How many flood insurance policies are there in Henderson?
Clark County had 1,612 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $790. The most policies are in Zone X (1,209 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
How many Henderson properties have flooded repeatedly?
Clark County has 17 properties with multiple flood losses on record, including 1 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Is Henderson protected by a levee?
Yes. The USACE National Levee Database lists 2 levee systems protecting parts of Henderson. All of these are FEMA-accredited, meaning the area they protect is generally mapped as Zone X rather than a high-risk zone. Levee protection is system-specific, not city-wide - check the address search above for the zone at a specific property.
Can my Henderson property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Henderson?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Henderson's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Understanding Flood Zones
See the Flood Map for Any Henderson, NV Address
Enter a Henderson, NV address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.