New Mexico Home InsuranceFlood insurance discounts in New Mexico
Flood discounts in New Mexico
Flooding is never covered by a standard homeowners policy. But where you live can cut the price of a flood policy: communities in FEMA's Community Rating System earn their residents a discount automatically.
Of the 104 New Mexico communities in the National Flood Insurance Program, 11 are in the rating system. Everywhere else, there is no community discount at all.
| Community | Class | Discount in high-risk zones |
|---|---|---|
| Albuquerque | 7 | 15% |
| Las Cruces | 7 | 15% |
| Bernalillo County | 8 | 10% |
| Clovis | 8 | 10% |
| San Juan County | 8 | 10% |
Source: FEMA NFIP Community Status Book.
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