Risk Index · Clark County · 2026-06-13
Las Vegas, NV real-estate risk
- Risk score
- 99.6/100
- Very High
- Expected annual loss
- $813M
- all hazards, county-wide
- Buildings-only loss
- $473M
- what owners and insurers carry
- Population
- 2.3M
- Clark County
Las Vegas, NV (Clark County) carries a FEMA National Risk Index score of 99.6/100, rated "Very High" and driven mainly by heat wave and riverine flood, with roughly $813M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Heat wave99.9
- Riverine flood99.6
- Wildfire99.1
- Earthquake99.1
- Hail97.3
- Strong wind66.5
- Drought16.7
- Tornado9.2
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Las Vegas risk questions
Is Las Vegas, NV a high-risk area for real estate?
Las Vegas scores 99.6/100 on FEMA's National Risk Index, rated "Very High" versus all US counties. Its expected natural-hazard loss is about $813M per year.
What is the biggest natural hazard in Las Vegas?
The highest-rated hazard is heat wave (99.9/100), followed by riverine flood (99.6/100).
How does hazard risk affect property insurance in Las Vegas?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.