New Mexico
flood insurance data
- Of the 6,250 owner registrations FEMA inspected in New Mexico after disasters of every declared type, 6.4% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-4843, SEVERE STORM AND FLOODING (declared 2024-11-01), with 1,900.
- 2024 alone holds 59.6% of the paid claims (year of loss 2015-2024).
- The median paid claim, $23,727, is 36.3% below the national median of the same years ($37,248), the 10th highest of 51 States and territories.
- With 317 paid claims (year of loss 2015-2024), New Mexico has the 10th fewest of 53 States and territories.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in New Mexico
NFIP premiums: what NFIP policyholders paid, not a quote. Across 11,370 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,057, and half of them fall between $746 (Q1) and $1,501 (Q3).
Of the 5 zones listed (X, AE, A, AO, AH), zone A has the highest median premium ($1,271) and zone AO the lowest ($912). No coastal V or VE zone is listed.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 7,473 | $762 | $1,066 | $1,512 |
| Outside SFHA (X, B, C) | 3,885 | $711 | $1,045 | $1,463 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| X | 3,885 | $711 | $1,045 | $1,463 |
| AE | 3,051 | $751 | $1,068 | $1,489 |
| A | 2,182 | $880 | $1,271 | $1,936 |
| AO | 1,216 | $707 | $912 | $1,311 |
| AH | 1,024 | $707 | $935 | $1,235 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 11,072 |
| 2020 | 10,601 |
| 2021 | 10,589 |
| 2022 | 10,374 |
| 2023 | 9,538 |
| 2024 | 11,195 |
| 2025 | 11,370 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 11,370 policies.
NFIP paid building claims in New Mexico
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 317 paid claims; median $23,727, half of them between $8,008 (Q1) and $76,568 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $24,815, a monetary adjustment, not today’s cost of repair.
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 22 |
| 2016 | 14 |
| 2017 | 18 |
| 2018 | 12 |
| 2019 | 6 |
| 2020 | 4 |
| 2021 | 37 |
| 2022 | 12 |
| 2023 | 3 |
| 2024 | 189 |
FEMA disaster declarations
Since 2000: 22 flood, hurricane and severe-storm declarations (DR and EM) covering New Mexico, 20 of them major disaster declarations.
New Mexico counts 22 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 21st fewest of 53 States and territories. Severe Storm declarations are the most frequent (11), ahead of Flood (10) and Hurricane (1).
| Incident type | Declarations |
|---|---|
| Flood | 10 |
| Hurricane | 1 |
| Severe Storm | 11 |
Latest declarations
- DR-4954: SEVERE STORMS AND FLOODING (Flood, 2026-10-07)
- DR-4918: SEVERE STORMS AND FLOODING (Severe Storm, 2026-06-30)
- DR-4886: SEVERE STORMS, FLOODING, AND LANDSLIDES (Flood, 2025-07-22)
- EM-3628: SEVERE STORMS, FLOODING, AND LANDSLIDES (Flood, 2025-07-10)
- DR-4843: SEVERE STORM AND FLOODING (Flood, 2024-11-01)
FEMA assistance to homeowners
Since 2002: 6,250 owner registrations inspected by FEMA in New Mexico after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 1,737 |
| $1-$10,000 | 3,165 |
| $10,001-$20,000 | 749 |
| $20,001-$30,000 | 197 |
| More than $30,000 | 402 |
Disasters with the most inspections
- DR-4843, SEVERE STORM AND FLOODING (declared 2024-11-01): 1,900 inspections
- DR-4652, WILDFIRES, STRAIGHT-LINE WINDS, FLOODING, MUDFLOWS, AND DEBRIS FLOWS (declared 2022-05-04): 1,639 inspections
- DR-1659, SEVERE STORMS AND FLOODING (declared 2006-08-30): 970 inspections
- DR-4795, SOUTH FORK FIRE, SALT FIRE, AND FLOODING (declared 2024-06-20): 806 inspections
- DR-4886, SEVERE STORMS, FLOODING, AND LANDSLIDES (declared 2025-07-22): 631 inspections
NFIP communities and flood maps
FEMA’s Community Status Book lists 119 NFIP communities in New Mexico: 104 participate in the NFIP and 11 (9.2%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 7 (Albuquerque, City of and Las Cruces, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in New Mexico dates from 1976-07-02 (Encino, Village of). 15 of these communities do not participate in the NFIP; 15 carry a sanction, 1 coded as a suspension and 0 as a withdrawal.
| CRS class | Communities |
|---|---|
| 7 | 2 |
| 8 | 4 |
| 9 | 3 |
| 10 | 2 |
Questions about flood insurance in New Mexico
How much is flood insurance in New Mexico?
NFIP policyholders in New Mexico paid a median of $1,057 for residential policies effective 2025 (11,370 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $746 and $1,501; $1,066 inside the Special Flood Hazard Area against $1,045 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has New Mexico had?
317 NFIP building claims were paid (year of loss 2015-2024), with a median of $23,727; the year with the most was 2024 (189). These are amounts paid, not repair cost.
Is New Mexico in a flood zone?
Of the residential NFIP policies of New Mexico (policies effective 2025), 7,473 are rated inside the Special Flood Hazard Area and 3,885 outside it (zones listed: X, AE, A, AO, AH), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A state figure mixes very different counties and flood zones. Method and limits.
Source and notice
- 0 residential 2025 policies with policyCost <= 0 or empty are left out; 12 kept policies have zone D or an unknown zone (in n, not in the zone tables).
- Owners assistance: county names not matched to a FIPS code (counted in the State total only): Mescalero Tribe (no match, 39 inspected); Navajo Nation Reservation (Also AZ and UT) (no match, 0 inspected)
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).