Flood insurance claims in Lincoln County, New Mexico

FEMA records 269 National Flood Insurance Program claims in Lincoln County, New Mexico, since 1978, with $17.1 million paid in total. The most claims in one year was 88, in 2024 and 2025. As of 3 August 2026, 2.1% of homes here had an NFIP policy, and 41.4% of homes in the high-risk flood zone did.

NFIP claims on record269

Total paid$17.1 million

Claims with a payment211

Homes with NFIP policy2.1%

High-risk zone homes insured41.4%

Residential policies in force267

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
2025 July NM Flooding	66

ZIP codes with the most claims

ZIP code (as reported)	Claims
88345	234
88346	18
88312	6
88355	4
88324	4
88348	3

140 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $15.1 million, contents $2.0 million, increased cost of compliance $81,114.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	377	156	41.4%
All homes	12,788	267	2.1%

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.