Photo: formulanone · CC BY-SA 2.0FEMA expects more hazard damage per building in Enterprise than in 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Enterprise gets a C+ for hazard risk: higher expected damage per building than 61% of U.S. towns, #13 of 42 in Nevada. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 4 claims here since 1984.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Enterprise faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Enterprise’s grade
River and rain flooding is 86% of the building damage FEMA expects in Enterprise, and Enterprise’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts. Wildfire adds 3%, at a rate in the top 8% of U.S. census tracts.
C+ #13 of 42 in Nevada; higher expected damage per building than 61% of U.S. towns (21,298).
Enterprise’s residents live in 50 census tracts; FEMA’s figures are combined by where they live.
The typical Nevada town has higher expected damage than 81% of U.S. towns; within the state, Enterprise has less expected damage per building than 71% of Nevada towns.
Among the 400 U.S. cities of 100,000 or more, Enterprise has higher expected damage per building than 53% (#213 of 400). Because it is so big, its total expected yearly loss, $87.9M, is the 136th largest of those 400.
Does Enterprise flood? Rarely: 4 flood claims since 1984
Every paid claim on a federal flood insurance policy in Enterprise, from FEMA’s records: 0.0 per 1,000 homes, fewer than 100% of the 13,809 U.S. towns with a flood insurance record.
Enterprise isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clark County.The storms Enterprise remembers
None of the 6 disasters declared for Clark County shows FEMA aid or repair money reaching Enterprise itself in FEMA’s records, so these are its biggest flood-claim years.
- 19993 flood claims paidThe year of Nv - Flash Flooding 7/8/99, declared for Clark County
- 19841 flood claims paidThe year of Heavy Rains and Flooding, declared for Clark County
Clark County has had 6 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 5 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Clark County, 2002–2013.
Old photos of Enterprise after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Enterprise archive →Enterprise and its neighbors
Enterprise is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Henderson | B+less damage than 66% | river and rain flooding | 33 |
| Spring Valley | B−more damage than 54% | river and rain flooding | 18 |
| Paradise | C+more damage than 60% | river and rain flooding | 62 |
| Enterprise | C+more damage than 61% | river and rain flooding | 4 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Enterprise faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Enterprise
Is Enterprise at risk for natural disasters?
On FEMA’s National Risk Index, Enterprise has higher expected damage per building than 61% of U.S. towns: C+ for hazard risk, #13 of 42 in Nevada. Most of the expected damage is river and rain flooding (86%) and earthquakes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Enterprise flood?
Flood insurance has paid 4 claims in Enterprise since 1984, $30K in all, or 0.0 per 1,000 homes, fewer than 100% of U.S. towns with a flood insurance record.
Is Enterprise in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Clark County, 30% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Enterprise?
FEMA’s Community Rating System list shows no discount for Enterprise’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Enterprise at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Enterprise’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Enterprise.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Enterprise’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.