Water Risk Profile — ZIP 89501
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
High
Cost Range
$2,400–$14,500
Avg Response
42 min
NFIP
State participates
Local Climate & Risk Factors
Reno sits in the Truckee River valley — a historically flood-prone corridor. The January 1997 flood caused $500M+ in damage across the region. Winter atmospheric rivers bring rapid snowmelt flooding; the river can rise 20+ feet in 48 hours. Older downtown properties and Midtown have significant basement flooding risk. High elevation (4,505 ft) means freeze-thaw pipe cycles are a major January–March concern. Spring snowmelt from the Sierra Nevada creates predictable annual flood risk in lower-lying areas.
Flood-prone areas: Riverwalk and Downtown are highest-risk for river flooding. South Reno and Damonte Ranch on higher ground have lower river flood risk but higher freeze-pipe risk. Sparks (adjacent) shares the same flood risk profile.
Water Category Cost Table — Reno, NV
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $4.08–$11.3 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $11.3–$13.68 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $16.07–$20.9 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Reno market (4.8–19/sq ft range).