Flood Claims Map

New Mexico

Flood insurance claims in Bernalillo County, New Mexico

FEMA records 173 National Flood Insurance Program claims in Bernalillo County, New Mexico, since 1978, with $1.4 million paid in total. The most claims in one year was 25, in 2006 and 2013. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 28.6% of homes in the high-risk flood zone did.

NFIP claims on record173
Total paid$1.4 million
Claims with a payment82
Homes with NFIP policy0.5%
High-risk zone homes insured28.6%
Residential policies in force1,069

Claims by year of loss

1978: 719781979: 81980: 201981: 41982: 519821983: 21984: 21985: 11986: 119861987: 61988: 61989: 01990: 419901991: 11992: 31993: 11994: 219941995: 11996: 11997: 01998: 119981999: 72000: 32001: 02002: 020022003: 12004: 62005: 02006: 2520062007: 22008: 22009: 22010: 120102011: 02012: 22013: 252014: 220142015: 22016: 12017: 12018: 420182019: 32020: 02021: 12022: 220222023: 12024: 12025: 325

NFIP claims by year of loss, Bernalillo County, New Mexico

1978: $8,43519781979: $28,0911980: $14,5281981: $6351982: $40619821983: $1,2241984: $4,7411985: $01986: $019861987: $4,0191988: $17,8731989: $01990: $1,32119901991: $1,1621992: $2,8641993: $01994: $019941995: $01996: $01997: $01998: $019981999: $22,5582000: $02001: $02002: $020022003: $02004: $40,0522005: $02006: $192,47620062007: $02008: $02009: $27,5522010: $100,02520102011: $02012: $02013: $885,3902014: $1,43620142015: $23,2742016: $02017: $02018: $020182019: $02020: $02021: $13,2802022: $2,57120222023: $02024: $02025: $40,366$885,390

Paid on claims by year of loss (building, contents and increased cost of compliance), Bernalillo County, New Mexico

Named flood events with the most claims

Event (FEMA name)Claims
2025 July NM Flooding2
Tropical Storm Harold1

ZIP codes with the most claims

ZIP code (as reported)Claims
8710531
8710723
8712214
8711413
8712112
8711212
8710911
871139
871029
871118

88 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.4 million, contents $69,612, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,12360728.6%
All homes226,6751,0690.5%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.