Flood Claims Map

New Mexico

Flood insurance claims in Otero County, New Mexico

FEMA records 130 National Flood Insurance Program claims in Otero County, New Mexico, since 1983, with $1.5 million paid in total. The year with the most claims was 2006, with 52. As of 3 August 2026, 2.7% of homes here had an NFIP policy, and 13.2% of homes in the high-risk flood zone did.

NFIP claims on record130
Total paid$1.5 million
Claims with a payment77
Homes with NFIP policy2.7%
High-risk zone homes insured13.2%
Residential policies in force757

Claims by year of loss

1983: 119831984: 01985: 01986: 01987: 019871988: 01989: 01990: 01991: 019911992: 11993: 01994: 01995: 119951996: 21997: 01998: 01999: 1019992000: 12001: 12002: 22003: 020032004: 12005: 42006: 522007: 320072008: 42009: 12010: 52011: 420112012: 12013: 02014: 172015: 220152016: 32017: 42018: 02019: 220192020: 12021: 22022: 32023: 020232024: 12025: 152

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

1983: $019831984: $01985: $01986: $01987: $019871988: $01989: $01990: $01991: $019911992: $01993: $01994: $01995: $019951996: $8,9811997: $01998: $01999: $49,93119992000: $92,1672001: $15,1512002: $4372003: $020032004: $1,4892005: $17,7002006: $808,4042007: $020072008: $2,5812009: $02010: $250,0752011: $020112012: $02013: $02014: $123,3942015: $020152016: $13,7762017: $40,6092018: $02019: $93,42820192020: $02021: $21,2432022: $02023: $020232024: $02025: $0$808,404

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

ZIP codes with the most claims

ZIP code (as reported)Claims
88310120
883523
883372
883471
883541
883141
883251
883391

96 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.5 million, contents $42,890, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5,21268813.2%
All homes28,1177572.7%

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.