Lincoln County, NM: Home-Insurance Distress & Forced-Sale Pressure
Lincoln County, NM: 98/100 (severe) home-insurance distress; Lincoln, NM band HIGH; Lincoln, NM #14 of 3,222 counties; Lincoln, NM #1 of 33 in New Mexico.
FEMA hazard, Lincoln, NM: 98/100; Lincoln, NM declarations, three years: 18; Lincoln, NM perils: 6 flood, 12 fire; Lincoln, NM five-year count 18 (severity 30.0); Lincoln, NM ten-year 18; hazard-weighted, Lincoln, NM: 36.0.
Declared incidents on the Lincoln, NM record: 2025 Flood 6; 2024 Fire 12 (Lincoln, NM).
NFIP claims, Lincoln, NM, three years: 176; Lincoln, NM payouts $14,831,378; per Lincoln, NM claim $84,269; Lincoln, NM claim-stress 98/100.
Lincoln, NM monthly score fell, 97 (March 2026) to 95 (October 2026); Lincoln, NM by month: March 97, April 97, May 97, June 97 (Lincoln, NM), July 96, August 97, September 97, October 95.
Lincoln, NM components: climate 93, NFIP claims 98; Lincoln, NM retreat index 95.
Construction distress, Lincoln, NM: 81/100 as of August 2026 (Lincoln, NM: 79/100 one-to-four unit, 100/100 multifamily).
Lincoln, NM ZIPs, June 2026 (Lincoln, NM, 16 highest): score 0 (Lincoln, NM), climate 84 (Lincoln, NM): 88201; score 0 (Lincoln, NM), climate 75 (Lincoln, NM): 88301, 88312, 88316, 88323, Lincoln, NM 88324, 88336, 88338, 88341, Lincoln, NM 88343, 88345, 88346, 88348, Lincoln, NM 88351, 88355; score 0 (Lincoln, NM), climate 64 (Lincoln, NM): 88318.
DLRadar rescores Lincoln, NM monthly; Lincoln, NM readings join Lincoln, NM foreclosure, lien and ownership parcels (Lincoln, NM), so cost-squeezed Lincoln, NM owners surface before listing.
Inside New Mexico, Lincoln County ranks 1st of 33 counties for home-insurance distress at 98/100; Chaves County (86/100) sits just below Lincoln County.
Deterministic. Every Lincoln County, NM signal traces to a public Lincoln dataset (FEMA, NFIP, Census for Lincoln, NM) · how insurance distress works in Lincoln, NM · methodology
FAQ: Lincoln County, NM insurance distress
What is the Lincoln County, NM home-insurance-distress score?
Lincoln, NM: 98/100 (HIGH), #14 of 3,222, #1 in New Mexico. FEMA hazard, Lincoln, NM: 98/100; NFIP stress, Lincoln, NM: 98/100; construction, Lincoln, NM: 81/100; Lincoln, NM rescores monthly.
Is Lincoln County insurance distress getting better or worse (NM)?
Lincoln, NM: 97 in March 2026; Lincoln, NM: 95 in October 2026 (better); Lincoln, NM climate component 93; Lincoln, NM NFIP claims score 98.
How many flood-insurance claims has Lincoln County, NM had?
Lincoln, NM: 176 NFIP claims, three years; Lincoln, NM paid $14,831,378; per Lincoln, NM claim $84,269; carriers reprice Lincoln, NM against that record.
Which Lincoln County ZIP codes carry the most insurance distress (NM)?
Lincoln, NM, June 2026: 88201 at 0, 88301 at 0, 88312 at 0, 88316 at 0; Lincoln, NM climate scores there: 84, 75, 75, 75.
Why does Lincoln, NM insurance distress create sellers?
A Lincoln, NM premium outruns the Lincoln, NM budget; a carrier leaves Lincoln, NM; Lincoln, NM carrying cost passes plan; Lincoln, NM owners sell while current; Lincoln, NM insurance distress leads Lincoln, NM foreclosure data.