Flood insurance claims in Cibola County, New Mexico

FEMA records 28 National Flood Insurance Program claims in Cibola County, New Mexico, since 1978, with $610,565 paid in total. The year with the most claims was 2005, with 11. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 7.1% of homes in the high-risk flood zone did.

NFIP claims on record28

Total paid$610,565

Claims with a payment23

Homes with NFIP policy0.6%

High-risk zone homes insured7.1%

Residential policies in force62

Claims by year of loss

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

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
87020	26
87021	2

22 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $604,592, contents $5,974, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	828	59	7.1%
All homes	10,511	62	0.6%

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.