New Mexico Home-Insurance Distress by County

New Mexico reads below the national norm for home-insurance distress — 33 counties averaging 22/100, 37th of 52 states.

2 of New Mexico's 33 counties score 70 or higher (severe).

New Mexico's reading rests on a FEMA hazard average of 18/100 and NFIP flood-claim stress of 31/100.

Over three years New Mexico counties filed 466 NFIP flood claims, $24,685,469 paid.

Highest in New Mexico: Lincoln County 98/100 (#14 US), Chaves County 86/100 (#228 US), Valencia County 66/100 (#760 US), Otero County 66/100 (#761 US), DoñA Ana County 65/100 (#775 US).

New Mexico counties by insurance band: 15 zero (New Mexico), 12 low, 4 medium, 2 high; New Mexico NFIP claims, three years: 466; New Mexico payouts $24.7 million.

New Mexico counties with the most NFIP claims: Lincoln 176 ($14.8 million); San Miguel 110 ($618,009); Chaves 87 ($8.1 million) in New Mexico; Mora 60 ($460,804); Bernalillo 4 ($40,366).

New Mexico county average fell: 21.8 in March 2026; New Mexico reads 20.8 in October 2026; New Mexico by month: March 21.8, April 21.8, May 21.1 (New Mexico), June 21.1, July 20.5, August 20.6 (New Mexico), September 20.6, October 20.8.

Highest New Mexico ZIPs, insurance distress: 81007 42 (climate 83), 81004 42 (climate 83) in New Mexico, 81001 42 (climate 83), 81005 42 (climate 83) in New Mexico, 81025 42 (climate 83), 81019 42 (climate 83) in New Mexico.

Reading the New Mexico bands: 2 of 33 New Mexico counties sit in a high or worse insurance band; New Mexico filed 466 NFIP claims in three years, $24.7 million paid to New Mexico policyholders; a New Mexico county's band moves when FEMA hazard revisions, new New Mexico NFIP settlements or carrier filings change its monthly score.