San Miguel County, NM: Home-Insurance Distress & Forced-Sale Pressure
San Miguel County, NM: 28/100 (moderate) home-insurance distress; San Miguel, NM band LOW; San Miguel, NM #1,674 of 3,222 counties; San Miguel, NM #8 of 33 in New Mexico; raw San Miguel, NM 32.7; San Miguel, NM coverage multiplier 0.85.
FEMA hazard, San Miguel, NM: 0/100; San Miguel, NM declarations, three years: none; San Miguel, NM five-year count 3 (severity 3.0); San Miguel, NM ten-year 3.
Declared incidents on the San Miguel, NM record: 2023 Fire 3 (San Miguel, NM).
NFIP claims, San Miguel, NM, three years: 110; San Miguel, NM payouts $618,009; per San Miguel, NM claim $5,618; San Miguel, NM claim-stress 82/100.
San Miguel, NM monthly score: 28 in every month from March 2026 (San Miguel, NM) through October 2026.
San Miguel, NM components: NFIP claims 82; San Miguel, NM retreat index 28; San Miguel, NM climate multiplier 0.85.
Construction distress, San Miguel, NM: 0/100 as of August 2026 (San Miguel, NM: 2/100 one-to-four unit, 0/100 multifamily).
San Miguel, NM ZIPs, June 2026 (San Miguel, NM, 16 highest): score 0 (San Miguel, NM), climate 83 (San Miguel, NM): 87535; score 0 (San Miguel, NM), climate 82 (San Miguel, NM): 87056; score 0 (San Miguel, NM), climate 75 (San Miguel, NM): 87573; score 0 (San Miguel, NM), climate 68 (San Miguel, NM): 87538, 87552, 87560, 87562, San Miguel, NM 87565, 87569, 87583, 87701, San Miguel, NM 87731, 88416, 88421, 88439; score 0 (San Miguel, NM), climate 65 (San Miguel, NM): 87745.
DLRadar rescores San Miguel, NM monthly; San Miguel, NM readings join San Miguel, NM foreclosure, lien and ownership parcels (San Miguel, NM), so cost-squeezed San Miguel, NM owners surface before listing.
Inside New Mexico, San Miguel County ranks 8th of 33 counties for home-insurance distress at 28/100; Cibola County (28/100) sits just above San Miguel County, and Mora County (28/100) sits just below San Miguel County.
Deterministic. Every San Miguel County, NM signal traces to a public San Miguel dataset (FEMA, NFIP, Census for San Miguel, NM) · how insurance distress works in San Miguel, NM · methodology
FAQ: San Miguel County, NM insurance distress
What is the San Miguel County, NM home-insurance-distress score?
San Miguel, NM: 28/100 (LOW), #1,674 of 3,222, #8 in New Mexico. FEMA hazard, San Miguel, NM: 0/100; NFIP stress, San Miguel, NM: 82/100; construction, San Miguel, NM: 0/100; San Miguel, NM rescores monthly.
Is San Miguel County insurance distress getting better or worse (NM)?
San Miguel, NM: 28 in March 2026; San Miguel, NM: 28 in October 2026 (unchanged); San Miguel, NM NFIP claims score 82.
How many flood-insurance claims has San Miguel County, NM had?
San Miguel, NM: 110 NFIP claims, three years; San Miguel, NM paid $618,009; per San Miguel, NM claim $5,618; carriers reprice San Miguel, NM against that record.
Which San Miguel County ZIP codes carry the most insurance distress (NM)?
San Miguel, NM, June 2026: 87535 at 0, 87056 at 0, 87573 at 0, 87538 at 0; San Miguel, NM climate scores there: 83, 82, 75, 68.
Why does San Miguel, NM insurance distress create sellers?
A San Miguel, NM premium outruns the San Miguel, NM budget; a carrier leaves San Miguel, NM; San Miguel, NM carrying cost passes plan; San Miguel, NM owners sell while current; San Miguel, NM insurance distress leads San Miguel, NM foreclosure data.