Flood history / New Mexico / ZIP 87701
ZIP 87701
San Miguel County, NM
Property owners in ZIP 87701 have been paid $678K on 101 National Flood Insurance Program claims between 1987 and 2026 — an average of $7K a claim, across 12 separate years in which someone here filed and was paid.
The heaviest year
2024 is the heaviest year on file: 68 paid claims, 67.3% of the ZIP's total. More than half of everything ever paid here traces to that single year.
90 of those claims — 89.1% — were filed since 2017. This is not a historical record — most of it is recent.
Where the claims sat on the map
Of the 100 claims here that record a rated flood zone, 83 — 83.0% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Most of the paid flooding in this ZIP happened to properties the maps did not treat as high risk. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.
The water near this ZIP
The closest gauges publishing official flood thresholds are Gallinas Creek above Montezuma (22.9 mi), Gallinas River above Colonias (25.0 mi) and Pecos River below Anton Chico (27.0 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.
Read current gauge conditions for 87701 →
What this does not say
These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.
The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.