The primary risk for Northern Nevada is flooding, particularly in areas near the Truckee River. Past El Niño events have caused significant economic damage, with the 1997 flood resulting in $700 million in losses, equivalent to $2.5 billion today. Increased precipitation could lead to rain-on-snow events, rapid snowmelt, and overflowing rivers. Urban growth in flood-prone areas, such as Reno and Sparks, heightens the potential for property damage. Additionally, the region’s preparedness is challenged by limited flood insurance coverage and strained federal disaster response resources.