Flood insurance in Doña Ana County, New Mexico
1,084 homes and businesses here carry FEMA flood insurance, paying $915 a year on average. Since 1978 the program has paid $4.9 million on 208 flood claims in Doña Ana County.
Worst flood year on record here
2006
$3.9 million paid on 66 claims
1,084
flood insurance policies in force
$915
average yearly premium, $245 below the New Mexico average
$4.9M
paid on 208 claims since 1978
74%
of insured buildings in high-risk zones A and V
What a flood policy costs
Average yearly NFIP premium per policy, compared.
Doña Ana County
$915
New Mexico average
$1,160
US average
$1,271
Your own price depends on the building's flood risk, elevation and the coverage you choose.
Where insured buildings sit
Share of insured buildings by FEMA flood zone.
Zone V / VE0%
Coastal high-hazard areas with wave action. Flood insurance is required with a federally backed mortgage.
Zone A / AE74%
High-risk areas with a 1% chance of flooding each year. Insurance is required with a federally backed mortgage.
Zone X, B, C26%
Moderate to low risk. Insurance is optional, and policies are usually much cheaper.
Flood insurance by ZIP code
ZIP codes in Doña Ana County with at least 50 policies, by number of policies.
| ZIP | Policies | Avg premium | Claims since 1978 | Paid |
|---|---|---|---|---|
| 88005 | 418 | $1,081 | 71 | $266 thousand |
| 88011 | 131 | $557 | 12 | $125 thousand |
| 88007 | 108 | $777 | 14 | $357 thousand |
| 88008 | 101 | $795 | 1 | $0 |
| 88001 | 85 | $1,145 | 9 | $92 thousand |
| 88012 | 83 | $500 | 5 | $31 thousand |
Common questions
How much does flood insurance cost in Doña Ana County?
The average NFIP flood insurance policy in Doña Ana County costs about $915 a year. The New Mexico average is $1,160. Your own premium depends on your building's flood risk, elevation and the coverage you choose.
How many homes have flood insurance in Doña Ana County?
There are about 1,084 National Flood Insurance Program policies in force in Doña Ana County, according to FEMA's latest policy data. Private flood policies are not included.
How often does Doña Ana County flood?
Since 1978, NFIP policyholders in Doña Ana County have filed 208 flood claims, with $4.9 million paid out. 25 of those claims were in the last 10 years.
Does homeowners insurance cover flooding?
No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.
How long until a new flood policy starts?
NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.
How to get flood insurance
Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FEMA's official site. Private flood insurers also sell policies in many areas and are worth comparing.