Nevada Division of Insurance

10/15/2026

Drop, Cover and Hold on! The Nevada Division of Insurance is participating in the World’s Biggest Earthquake drill today. People across the state are practicing how to safely handle an earthquake. The Silver State ranks 3rd in the U.S. for major earthquakes (magnitude 5.0 or higher).
Consumers should keep in mind that earthquake damage is generally not covered under a standard homeowner’s, renters, or condo policy. Earthquake coverage is offered separately. Nevada has faults in almost every part of the state, which is why Commissioner Gaines recommends seeking coverage because consumers could face hefty out of pocket costs for repairs.

Resources:
Nevada Division of Insurance: https://doi.nv.gov/
USGS Earthquake Hazards Program: https://www.usgs.gov/programs/earthquake-hazards
FEMA Earthquake Risk: https://www.fema.gov/emergency-managers/risk-management/earthquake
Nevada Seismological Laboratory: https://www.seismo.unr.edu/
American Red Cross: https://www.redcross.org/get-help/how-to-prepare-for-emergencies/types-of-emergencies/earthquake.html
Ready: https://www.ready.gov/financial-preparedness

10/14/2026

Employee Spotlight:
Please join the Division in congratulating Jack Childress on successfully completing and earning the National Association of Insurance Commissioners (NAIC) Senior Professional in Insurance Regulation (SPIR) designation.

"The Senior Professional in Insurance Regulation ("SPIR") desingation represents the highest professional designation available through the National Association of Insurance Commissioners ("NAIC)," said Childress. "Obtaining this designation shows my strong commitment to continually develop my expertise in insurance regulation, and will enable me to better protect Nevada consumers through informed, principled oversight.

09/18/2026

Commissioner Gaines is providing insight to Nevada’s Board of Fire Services about the local wildfire risk and mitigation from the insurance perspective. Commissioner is also discussing the Wildfire Urban Interface code with Fire Marshals.

Thank you to the Board for bringing the Division of Insurance to the table, as our agency continues to protect Nevadans navigating the insurance market.

09/14/2026

Commissioner Gaines is touring Wildfire prone areas, as fires continue to endanger residents and homes across Nevada.

First stop: Montreux in Reno. 📍

The Commissioner will be touring other neighborhoods soon.

09/10/2026

Commissioner Gaines provided the State of Nevada's Economic Forum Committee with an update on Nevada's Insurance market. Commissioner detailed the Division's role, market conditions, rate trends and consumer protection efforts. This annual presentation helps members of the forum prepare forecasts for the State General Fund.

09/02/2026

Hawk Fire Response Recap: The Division of Insurance mobilized to help people in need, following the devastating wildfire.

Commissioner Gaines and staff set up information booths at the Community Resource Center and convenient locations around Reno. Watch the video below for more.

08/28/2026

The Division is out in the community helping Nevadans recover from the . Read the full press release here to learn more about resources.

As the Hawk Fire continues to threaten homes and families in Washoe County, the Nevada Division of Insurance (Division) is offering on‑site insurance assistance to help residents navigate the recovery process. Division representatives will be available to answer questions about filing insurance cl...

08/26/2026

Commissioner Ned Gaines and the Division are issuing Bulletin 3: Insurers Requested to Be Flexible Due to Wildfire Impact. Please see the attached document for details.

08/24/2026

Hawk Fire: Resources and Support for Northern Nevada
The Nevada Department of Business and Industry and its agencies are monitoring the impacts of the Hawk Fire and providing resources, assistance and regulatory flexibility to affected residents, homeowners, businesses and licensees.

Support currently includes:
🔵 Division of Insurance: Guidance for policyholders on coverage, evacuation-related expenses, claims and recovery, along with flexibility for impacted licensees.

🔵 Office of the Labor Commissioner: Flexibility on deadlines and pending matters for constituents affected by the fire, with site visits in affected areas temporarily paused.

🔵 Nevada Transportation Authority: Reminders that transportation network companies operating within the declared emergency area may not impose surge pricing.

🔵 Mortgage Lending Division: Assistance for consumers and licensees experiencing delays or difficulties with mortgage transactions.

🔵 Nevada Housing Division: Monitoring potentially impacted housing communities and evaluating available assistance for affected residents.

🔵 Division of Industrial Relations: Continued workplace safety, injury reporting and workers’ compensation resources for employers and employees.

🔵 Real Estate Division: Assistance for affected real estate licensees, applicants, education providers and homeowners associations with licensing, renewals and registrations.

For the latest wildfire information and emergency updates, visit the Nevada Office of Emergency Management/Homeland Security:
https://www.oem.nv.gov/wildfire-info-2026/

For recovery resources and information:
https://www.oem.nv.gov/wildfire-info-2026/recovery-resources-multi-fire/

Read the full Department of Business and Industry release for agency-specific resources, contacts and additional information:
https://www.oem.nv.gov/wildfire-info-2026/recovery-resources-multi-fire/