Flood insurance claims in Chaves County, New Mexico

FEMA records 132 National Flood Insurance Program claims in Chaves County, New Mexico, since 1978, with $8.4 million paid in total. The year with the most claims was 2024, with 82. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 20.5% of homes in the high-risk flood zone did.

NFIP claims on record132

Total paid$8.4 million

Claims with a payment93

Homes with NFIP policy1.1%

High-risk zone homes insured20.5%

Residential policies in force282

Claims by year of loss

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

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
88201	61
88203	60
88232	7
88230	3
88202	1

85 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $8.0 million, contents $361,212, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,107	227	20.5%
All homes	25,124	282	1.1%

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

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.