Lincoln County, NV: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Lincoln County scores at the 39th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.3 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Lincoln County's flood-insurance compliance gap
14.6% of the homes FEMA requires to carry flood insurance in Lincoln County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 60 policies against 410 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 2.2% of all residential structures in Lincoln County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Lincoln County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Lincoln County ranks 1982 — 1 being the highest hazard nationally — and 2865 by population among all 3144 counties covered here, where 1 is the largest. Lincoln County, Nevada covers 10,633.386 square miles and counts roughly 4,345 residents.
What to do next if you own or are buying in Lincoln County
FEMA counts 2,813 residential structures in Lincoln County overall, 63 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Lincoln County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.