Flood history / New Mexico
New Mexico
flood claim history.
Across the 4 New Mexico ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $19.0M on 641 claims between 1978 and 2026. ZIP 88345 in Lincoln County carries the most at 234, 36.5% of the state total shown here.
The events driving the most paid claims across these ZIPs are 2025 July NM Flooding (57 claims).
42.2% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every New Mexico ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 88345 | Lincoln County | 234 | $16.1M | 2024 81 |
| 88240 | Lea County | 186 | $856K | 1992 69 |
| 88310 | Otero County | 120 | $1.4M | 2006 51 |
| 87701 | San Miguel County | 101 | $678K | 2024 68 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.