Flood insurance cost · Valencia County, NM

Flood insurance cost in Valencia County, New Mexico

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,130 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,069a year

Half of insured homes paid between $756 and $1,427. That is about the same as the New Mexico median ($1,084). Most insured homes here are rated in zone AE (66%).

$0$756 · $1,069 · $1,427$1,784

+4.2% vs Aug 31, 2025 (median $1,026)

2,130home policies in force

$1,160average cost (mean)

99%of insured homes in high-risk zones (A, V)

$238,000median 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 Valencia 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	$1,030	$713–$1,381	$1,101	1,401 (66%)	+4.1%
Zone A High risk	$1,198	$847–$1,572	$1,306	665 (31%)	+4.4%
Zone AH High risk, shallow	$821	$687–$987	$859	34 (2%)	+11.2%
Zone X Moderate to low risk	$1,030	$885–$1,145	$1,001	30 (1%)	+11.2%

Not shown (fewer than 10 home policies): VE, AO, A99/AR, 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 Valencia County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,886	$1,080	$1,167
Manufactured (mobile) home	235	$891	$1,101
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	68	$1,322	$1,956

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

2,201NFIP policies in force, any building

2,201insured units (condo association policies count every unit)

31%of home policies also cover contents

$80,000median contents coverage, when bought

One year on: Valencia 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	2,208	2,130	−3.5%
Median annual cost	$1,026	$1,069	+4.2%
Average annual cost	$1,108	$1,160	+4.7%
All policies in force (any building)	2,289	2,201	−3.8%

How many homes have flood insurance?

6.7%of all homes in Valencia County have an NFIP policy

14.3%of homes in high-risk zones (special flood hazard area) have one

32,101residential buildings counted by FEMA

14,722of 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

Since 1978, NFIP policyholders in Valencia County, New Mexico have filed 125 flood claims. 57 received a payment, for a total of $982,291 (an average of $17,233 per paid claim). The year with the most claims was 2006 (22 claims). Amounts are in dollars of the time, not adjusted for inflation.

Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.

All years with at least 10 claims (3)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2021	17	12	$419,850	$34,988
2017	13	<10	–	–
2006	22	15	$156,313	$10,421

From 2016 to 2026: 30 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Valencia County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Valencia County (1,076 home policies) · Bosque Farms (364 home policies) · Los Lunas (307 home policies) · Peralta (213 home policies) · Belen (170 home policies)