Natural hazards · Cold Springs

Cold Springs, NV natural hazards

Most of the natural-hazard damage FEMA expects in Cold Springs comes from wildfires, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1979.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Cold Springs?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cold Springs to be higher than in 87% of U.S. communities, mostly from wildfires and avalanches.

Wildfire34%Avalanches29%Inland flooding23%Earthquakes12%Everything else2%

By hazard

What Cold Springs faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Wildfire

34% of expected damage

Well above average · among the top 1% of U.S. places

Avalanches

29% of expected damage

Well below average · higher than 0% of U.S. places

Recorded about once every 8 years in the area

Inland flooding

23% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Earthquakes

12% of expected damage

Well above average · higher than 85% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesCold wavesDroughtTsunamis

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Cold Springs flood?

Every paid claim on a federal flood insurance policy in Cold Springs, from FEMA’s records.

1paid claims since 1979

$318paid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cold Springs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Washoe County.

Disasters that hit Cold Springs

Federal disasters declared here

None of the disasters declared for Washoe County shows FEMA aid or repair money reaching Cold Springs itself in FEMA’s records.

Brought FEMA money into Cold SpringsDeclared for Washoe County only

Washoe County has had 47 natural disasters declared since 1953, most often fires and severe storms.

Around Cold Springs

Cold Springs and the towns around it

Very lowLowModerateHighVery high

Cold Springsmostly wildfiresVery high

Renomostly earthquakesHigh

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Cold Springs covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cold Springs’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Cold Springs. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Cold Springs total about $3.5M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.