Chaves County, NM: Home-Insurance Distress & Forced-Sale Pressure
Chaves County, NM: 80/100 (severe) home-insurance distress; Chaves, NM band HIGH; Chaves, NM #353 of 3,222 counties; Chaves, NM #2 of 33 in New Mexico; raw Chaves, NM 85.9.
FEMA hazard, Chaves, NM: 68/100; Chaves, NM declarations, three years: 6; Chaves, NM perils: 4 flood; Chaves, NM five-year count 6 (severity 10.5); Chaves, NM ten-year 6; hazard-weighted, Chaves, NM: 12.0.
Declared incidents on the Chaves, NM record: 2025 Flood 3; 2024 Flood 3 (Chaves, NM).
NFIP claims, Chaves, NM, three years: 87; Chaves, NM payouts $8,123,926; per Chaves, NM claim $93,378; Chaves, NM claim-stress 97/100.
Chaves, NM monthly score fell, 86 (March 2026) to 80 (October 2026); Chaves, NM by month: March 86, April 86, May 84, June 84 (Chaves, NM), July 81, August 81, September 81, October 80.
Chaves, NM components: climate 68, NFIP claims 97; Chaves, NM retreat index 80.
Construction distress, Chaves, NM: 48/100 as of August 2026 (Chaves, NM: 54/100 one-to-four unit, 13/100 multifamily).
Chaves, NM ZIPs, June 2026 (Chaves, NM, 9 highest): score 0 (Chaves, NM), climate 86 (Chaves, NM): 88203, 88230, 88232; score 0 (Chaves, NM), climate 85 (Chaves, NM): 88250, 88253, 88339; score 0 (Chaves, NM), climate 84 (Chaves, NM): 88116, 88201, 88344.
DLRadar rescores Chaves, NM monthly; Chaves, NM readings join Chaves, NM foreclosure, lien and ownership parcels (Chaves, NM), so cost-squeezed Chaves, NM owners surface before listing.
Inside New Mexico, Chaves County ranks 2nd of 33 counties for home-insurance distress at 80/100; Lincoln County (96/100) sits just above Chaves County, and Otero County (63/100) sits just below Chaves County.
Deterministic. Every Chaves County, NM signal traces to a public Chaves dataset (FEMA, NFIP, Census for Chaves, NM) · how insurance distress works in Chaves, NM · methodology
FAQ: Chaves County, NM insurance distress
What is the Chaves County, NM home-insurance-distress score?
Chaves, NM: 80/100 (HIGH), #353 of 3,222, #2 in New Mexico. FEMA hazard, Chaves, NM: 68/100; NFIP stress, Chaves, NM: 97/100; construction, Chaves, NM: 48/100; Chaves, NM rescores monthly.
Is Chaves County insurance distress getting better or worse (NM)?
Chaves, NM: 86 in March 2026; Chaves, NM: 80 in October 2026 (better); Chaves, NM climate component 68; Chaves, NM NFIP claims score 97.
How many flood-insurance claims has Chaves County, NM had?
Chaves, NM: 87 NFIP claims, three years; Chaves, NM paid $8,123,926; per Chaves, NM claim $93,378; carriers reprice Chaves, NM against that record.
Which Chaves County ZIP codes carry the most insurance distress (NM)?
Chaves, NM, June 2026: 88203 at 0, 88230 at 0, 88232 at 0, 88250 at 0; Chaves, NM climate scores there: 86, 86, 86, 85.
Why does Chaves, NM insurance distress create sellers?
A Chaves, NM premium outruns the Chaves, NM budget; a carrier leaves Chaves, NM; Chaves, NM carrying cost passes plan; Chaves, NM owners sell while current; Chaves, NM insurance distress leads Chaves, NM foreclosure data.