Photo: Greenstrat at English Wikipedia · Public domainOn FEMA’s figures, Whitney faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Whitney gets a B− for hazard risk: higher expected damage per building than 55% of U.S. towns, #10 of 42 in Nevada. Most of that expected damage is river and rain flooding (81%), then earthquakes (18%). Flood insurance has paid 10 claims here since 1992.
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 Whitney 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 Whitney’s grade
River and rain flooding is 81% of the building damage FEMA expects in Whitney, and Whitney’s rate of river and rain flooding damage is higher than 70% of U.S. census tracts. Next is earthquakes at 18% (higher than 81% of U.S. census tracts).
B− #10 of 42 in Nevada; higher expected damage per building than 55% of U.S. towns (21,298).
Whitney’s residents live in 11 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, Whitney has less expected damage per building than 78% of Nevada towns.
In dollars, FEMA expects about $14.4M a year in losses across Whitney: $7.2M to buildings, the rest to people and crops.
Does Whitney flood? Sometimes: 10 flood claims since 1992
Every paid claim on a federal flood insurance policy in Whitney, from FEMA’s records: 0.5 per 1,000 homes, fewer than 88% of the 13,809 U.S. towns with a flood insurance record.
Whitney 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 Whitney remembers
None of the 6 disasters declared for Clark County shows FEMA aid or repair money reaching Whitney itself in FEMA’s records, so these are its biggest flood-claim years.
- 19983 flood claims paidNo declaration for the county that year
- 19993 flood claims paidThe year of Nv - Flash Flooding 7/8/99, declared for Clark County
- 19922 flood claims paidNo declaration for the county that year
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 Whitney after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Whitney archive →Whitney and its neighbors
Whitney is 3rd 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 |
|---|---|---|---|
| Sunrise Manor | B+less damage than 70% | river and rain flooding | 52 |
| Henderson | B+less damage than 66% | river and rain flooding | 33 |
| Whitney | B−more damage than 55% | river and rain flooding | 10 |
| Paradise | C+more damage than 60% | river and rain flooding | 62 |
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 Whitney 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 Whitney
Is Whitney at risk for natural disasters?
On FEMA’s National Risk Index, Whitney has higher expected damage per building than 55% of U.S. towns: B− for hazard risk, #10 of 42 in Nevada. Most of the expected damage is river and rain flooding (81%) and earthquakes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Whitney flood?
Flood insurance has paid 10 claims in Whitney since 1992, $423K in all, or 0.5 per 1,000 homes, fewer than 88% of U.S. towns with a flood insurance record.
Is Whitney 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 Whitney?
FEMA’s Community Rating System list shows no discount for Whitney’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Whitney at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Whitney’s rate for it is higher than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Whitney.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Whitney’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.