Natural hazards · Zephyr Cove

Zephyr Cove, NV natural hazards

Most of the natural-hazard damage FEMA expects in Zephyr Cove comes from earthquakes, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Zephyr Cove?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Zephyr Cove to be higher than in 76% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes36%Inland flooding30%Wildfire27%Everything else8%

By hazard

What Zephyr Cove faces

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

Earthquakes

36% of expected damage

Well above average · higher than 88% of U.S. places

Inland flooding

30% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Wildfire

27% of expected damage

Well above average · higher than 98% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtTsunamisVolcanic activity

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 Zephyr Cove flood?

FEMA's records show no paid flood insurance claims in Zephyr Cove.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Zephyr Cove

Federal disasters declared here

None of the disasters declared for Douglas County shows FEMA aid or repair money reaching Zephyr Cove itself in FEMA’s records.

Brought FEMA money into Zephyr CoveDeclared for Douglas County only

Douglas County has had 22 natural disasters declared since 1953, most often fires and floods.

Around Zephyr Cove

Zephyr Cove and the towns around it

Very lowLowModerateHighVery high

Zephyr Covemostly earthquakesHigh

Skylandmostly earthquakesHigh

Kingsburymostly earthquakesHigh

Round Hill Villagemostly 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. Zephyr Cove is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.