Risk Index · Washoe County · 2026-06-13
Reno, NV real-estate risk
- Risk score
- 96.7/100
- Relatively High
- Expected annual loss
- $274M
- all hazards, county-wide
- Buildings-only loss
- $207M
- what owners and insurers carry
- Population
- 486K
- Washoe County
Reno, NV (Washoe County) carries a FEMA National Risk Index score of 96.7/100, rated "Relatively High" and driven mainly by earthquake and wildfire, with roughly $274M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Earthquake99.2
- Wildfire99
- Riverine flood94.5
- Strong wind71
- Hail59
- Heat wave58.4
- Drought50.5
- Tornado14.3
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Riverine flood is the line to verify: an SFHA designation triggers mandatory NFIP coverage and a hard line-item most pro formas understate.
Reno risk questions
Is Reno, NV a high-risk area for real estate?
Reno scores 96.7/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $274M per year.
What is the biggest natural hazard in Reno?
The highest-rated hazard is earthquake (99.2/100), followed by wildfire (99/100).
How does hazard risk affect property insurance in Reno?
Riverine flood is the line to verify: an SFHA designation triggers mandatory NFIP coverage and a hard line-item most pro formas understate.
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.