Flood insurance claims in Lea County, New Mexico

FEMA records 208 National Flood Insurance Program claims in Lea County, New Mexico, since 1979, with $931,258 paid in total. The year with the most claims was 1992, with 75. As of 3 August 2026, 2.8% of homes here had an NFIP policy, and 24.1% of homes in the high-risk flood zone did.

NFIP claims on record208

Total paid$931,258

Claims with a payment140

Homes with NFIP policy2.8%

High-risk zone homes insured24.1%

Residential policies in force715

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	13

ZIP codes with the most claims

ZIP code (as reported)	Claims
88240	185
88242	12
88252	7
88260	3
88241	1

115 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $858,607, contents $72,651, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	2,870	692	24.1%
All homes	25,998	715	2.8%

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.