Flood insurance cost in New Mexico
In New Mexico, the lowest private flood insurance quote ran $706 a year and the typical private quote ran $1,250. The NFIP quote ran $1,888.
Private and NFIP quotes compared
Median annual premiums from 377 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $660 | $1,187 | n/a | 335 |
| Residential properties | $683 | $1,243 | $1,921 | 375 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in New Mexico?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in New Mexico was $1,250 a year and the lowest private quote a property received was $706. NFIP quotes ran $1,888. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Where do these numbers come from?
- From 377 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in New Mexico
- Flood insurance in New Mexico: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.