Flood insurance cost · Torrance County, NM

Flood insurance cost in Torrance County, New Mexico

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 118 home policies in force on August 31, 2026.

Torrance County, New MexicoPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,178a year

Half of insured homes paid between $902 and $1,554. That is 9% more than the New Mexico median ($1,084). Most insured homes here are rated in zone A (54%).

$0$902 · $1,178 · $1,554$1,942

+5.5% vs Aug 31, 2025 (median $1,117)

118home policies in force

$1,299average cost (mean)

96%of insured homes in high-risk zones (A, V)

$150,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Torrance County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,288	$1,163–$1,806	$1,425	32 (27%)	+3.9%
Zone A High risk	$1,174	$896–$1,551	$1,298	64 (54%)	+5.1%
Zone AO High risk, shallow	$920	$768–$1,030	$921	17 (14%)	+10.6%

Not shown (fewer than 10 home policies): VE, AH, A99/AR, X, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Torrance County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	64	$1,132	$1,200
Manufactured (mobile) home	48	$1,212	$1,350

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association), non-residential building or unit.

123NFIP policies in force, any building

123insured units (condo association policies count every unit)

34%of home policies also cover contents

$40,500median contents coverage, when bought

One year on: Torrance County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

	Aug 31, 2025	Aug 31, 2026	Change
Home policies in force	113	118	+4.4%
Median annual cost	$1,117	$1,178	+5.5%
Average annual cost	$1,244	$1,299	+4.4%
All policies in force (any building)	119	123	+3.4%

How many homes have flood insurance?

1.4%of all homes in Torrance County have an NFIP policy

–of homes in high-risk zones (special flood hazard area) have one

8,637residential buildings counted by FEMA

0of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Fewer than 10 NFIP flood claims have been recorded in Torrance County, New Mexico since 1978, so we do not show claim figures here.

Main NFIP communities in the county

Unincorporated Torrance County (69 home policies) · Estancia (32 home policies) · Moriarty (17 home policies)