Flood data for New Mexico
Published NFIP policy and loss records, alongside a way to check the map.
Average annual premium and federal policy fee per policy unit
$1,193
As of 2026-08-31. A portfolio average, not a quote for a home.
- Policies in force, including condo units
- 13,563
- Cumulative recorded losses
- 1,938
- Net dollars paid
- $41,840,364
Cumulative losses in the HUDEX report through August 31, 2026. Loss counts include claims closed without payment. No annual series or first loss year is stated in this report.
Find a flood zone in New Mexico.
County policy and loss records
| County | Premium + fee / unit | Policy units | Recorded losses |
|---|---|---|---|
| San Miguel County | $1,451 | 2,568 | 139 |
| Valencia County | $967 | 2,199 | 125 |
| Mora County | $1,798 | 1,547 | 64 |
| Bernalillo County | $737 | 1,245 | 179 |
| Doña Ana County | $1,001 | 1,087 | 207 |
| Otero County | $1,043 | 880 | 130 |
| Lea County | $900 | 762 | 210 |
| Sandoval County | $910 | 578 | 43 |
| Santa Fe County | $695 | 456 | 52 |
| Chaves County | $1,714 | 315 | 133 |
| Lincoln County | $1,636 | 305 | 269 |
| Eddy County | $1,536 | 282 | 51 |
| Curry County | $555 | 216 | 55 |
| Socorro County | $1,606 | 161 | 23 |
| Rio Arriba County | $1,432 | 158 | 37 |
| San Juan County | $1,620 | 156 | 48 |
| Taos County | $1,240 | 131 | 25 |
| Torrance County | $1,073 | 123 | 1 |
| Roosevelt County | $1,293 | 119 | 29 |
| Cibola County | $951 | 67 | 28 |
| Grant County | $1,728 | 52 | 10 |
| McKinley County | $902 | 44 | 20 |
| Luna County | $933 | 31 | 4 |
| Sierra County | $1,610 | 30 | 15 |
| Colfax County | $1,255 | 21 | 8 |
| Los Alamos County | $567 | 19 | 10 |
| Quay County | $960 | 5 | 11 |
| Hidalgo County | $592 | 2 | 3 |
| Catron County | $788 | 1 | 5 |
| De Baca County | $525 | 1 | 0 |
State policy mix by rated zone group
These are insured policy units grouped by their rated zones, not a percentage of the state’s land or homes.
| Rated group | Policy units | Share of insured units |
|---|---|---|
| All A zones combined | 8,473 | 62.5% |
| Zone D | 16 | 0.1% |
| Emergency program | 1 | 0.0% |
| Unknown or invalid rated zone | 12 | 0.1% |
| X, B and C zones combined | 5,061 | 37.3% |
Largest recorded loss years
Published net claim payments from 1978 through 2026, grouped by year of loss. Dollar amounts are nominal. The 2026-09-08 OpenFEMA claims release is a separate population from the policy workbook above.
All published years and net payments
| Year of loss | Net payments |
|---|---|
| 1978 | $37,434 |
| 1979 | $109,860 |
| 1980 | $74,673 |
| 1981 | $34,485 |
| 1982 | $10,413 |
| 1983 | $22,412 |
| 1984 | $69,483 |
| 1985 | $12,978 |
| 1986 | $10,382 |
| 1987 | $6,619 |
| 1988 | $101,913 |
| 1989 | $7,154 |
| 1990 | $37,281 |
| 1991 | $12,233 |
| 1992 | $558,110 |
| 1993 | $2,733 |
| 1994 | $39,459 |
| 1995 | $84,522 |
| 1996 | $52,475 |
| 1997 | $37,178 |
| 1998 | $34,594 |
| 1999 | $267,058 |
| 2000 | $122,421 |
| 2001 | $58,558 |
| 2002 | $136,751 |
| 2003 | $56,371 |
| 2004 | $220,479 |
| 2005 | $411,367 |
| 2006 | $5,230,198 |
| 2007 | $107,979 |
| 2008 | $2,319,522 |
| 2009 | $52,251 |
| 2010 | $660,148 |
| 2011 | $24,008 |
| 2012 | $100,566 |
| 2013 | $1,870,846 |
| 2014 | $956,223 |
| 2015 | $417,472 |
| 2016 | $253,686 |
| 2017 | $391,416 |
| 2018 | $742,342 |
| 2019 | $131,057 |
| 2020 | $40,644 |
| 2021 | $850,508 |
| 2022 | $276,503 |
| 2023 | $100,129 |
| 2024 | $15,909,688 |
| 2025 | $8,730,325 |
| 2026 | $45,457 |
Records without payment are included in counts. Missing county records are retained in national controls and are not allocated to counties. OpenFEMA NFIP redacted claims V3.
Data and methodology
Complete official HUDEX report, summed across its community rows within each geocoded county FIPS. Policy Count includes condominium units under master policies. Average premium is Total Premium + Federal Policy Fee divided by Policy Count; this is an aggregate per policy unit, not a property quote. Loss counts include losses closed without payment. Total Net Dollars Paid is cumulative in this report, including the source's adjustments. The report does not specify the first loss year or split losses by year, so a starting year and annual breakdown are not inferred. Unassigned county records are retained in state totals separately. No record sampling.