Flood insurance claims in San Miguel County, New Mexico

FEMA records 139 National Flood Insurance Program claims in San Miguel County, New Mexico, since 1987, with $823,760 paid in total. The year with the most claims was 2024, with 90. As of 3 August 2026, 13.1% of homes here had an NFIP policy, and 26.9% of homes in the high-risk flood zone did.

NFIP claims on record139

Total paid$823,760

Claims with a payment57

Homes with NFIP policy13.1%

High-risk zone homes insured26.9%

Residential policies in force1,791

Claims by year of loss

NFIP claims by year of loss, San Miguel County, New Mexico

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
87701	100
87745	16
87742	8
87731	6
88416	3
87552	3
87573	1
87560	1
87711	1

32 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $725,956, contents $97,804, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,190	320	26.9%
All homes	13,643	1,791	13.1%

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.