Las Cruces Flood Insurance

Complete Guide to Las Cruces, NM Flood Insurance

Find the right flood insurance policy for you.

New Mexico Flood Insurance

Monsoon season in New Mexico lasts from June 15 through September 30. During this time, residents of Las Cruces may see prolonged periods of heavy rainfall.  This can saturate the ground and cause flash flooding in the area. Flood insurance can cover the expensive cost of repairing or replacing damaged property.

Flood insurance does not go into effect until 30 days after the date of purchase, so do not wait until a flood is imminent to buy a policy. A local independent insurance agent in Las Cruces can help you obtain an affordable policy. Find an insurance agent near you to get started.

What Is Flood Insurance?

Flood damage is not covered by home insurance, renters insurance, or business insurance. Damage caused by rising waters can be extremely expensive. Without coverage, individuals and communities can face large financial losses and even bankruptcies. That is why the federal government stepped in to help.

In 1968, Congress created the National Flood Insurance Program (NFIP), which provides affordable flood insurance policies for property owners.  This coverage is guaranteed, and policyholders are not penalized with higher rates for filing claims.

Residents of cities that are NFIP participants can get subsidized flood insurance coverage. In return, the city is required to take steps to minimize the occurrence of flooding.  Since 1988, Doña Ana County’s Flood Commission has been work working toward this goal through the construction and maintenance of several flood control structures.


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How Much Does Flood Insurance Cost in Las Cruces, NM?

Flood insurance policies offered through the NFIP offer standard rates and coverage regardless of what state your property is located in.  Your cost for coverage will be based on:

  • Whether your property is in a designated flood zone.
  • How much structural coverage you are purchasing.
  • How much contents coverage you are purchasing.
  • The amount of your deductible (the minimum deductible amount is $1,000).

On average, homeowners in flood zones pay about $700 a year, while those in low-risk areas pay about $300 annually. Talk to a local independent insurance agent for help comparing quotes for different levels of coverage.

Average Rainfall and Flooding in Las Cruces

Las Cruces gets significantly less rainfall than the average US city.

  • US average annual rainfall:  38.61 inches
  • Las Cruces average annual rainfall:  9.76 inches

This may make it seem as though flooding is not a serious concern in this city. However, during monsoon season, Las Cruces can experience heavy rainfalls. As little as two inches of rain per hour can quickly lead to flash flooding in the area.

Heavy rains can cause arroyos to fill and the Rio Grande to overflow its banks.  This, in turn, can lead to excessive water on the roadways, which makes travel hazardous. Additionally, this water can flow into area homes and businesses and cause a great deal of expensive damage.

Do I Need Flood Insurance in Las Cruces, NM?

Do you assume that if your house or business is damaged by a flood, FEMA will be there to offer financial assistance?  While FEMA can assist by providing low-interest loans, it is no substitute for a flood insurance policy.

Mortgage lenders will require you to purchase flood insurance if your property is located in what is considered a Special Flood Hazard Area. If you live in a low- or moderate-risk area, your lender may or may not require this coverage. If you are outside a flood zone or you have paid off your mortgage, coverage is optional, but highly recommended.

Just because your home or business is not located in a flood zone does not mean you are not at risk for flood damage.  Flooding can happen anywhere, even to properties located on hills. In fact, about 60% of all flood damage occurs in areas that are immediately adjacent to flood zones, and 20% of all flood insurance claims are for properties in low-risk areas.


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What Does Flood Insurance Cover?

Flood insurance is made up of two parts: structural coverage and contents coverage. You can opt to purchase just one or both types of coverage.  If you are a renter, you will only need to purchase contents coverage. Homeowners, who have very little personal property that is at risk, may want to consider structural coverage only.

Flood Insurance Structural Coverage:

This insurance covers damage to the structure of your home as well as to your electrical systems, plumbing systems, water heater, air conditioner, built-in appliances, and foundation.  You can purchase coverage up to a designated limit:

  • Homeowners can purchase a maximum of $250,000 in structural coverage.
  • Businesses can purchase a maximum of $500,000 in structural coverage.


This can cover personal belongings kept on main living floors such as electronics, clothing, and carpeting as well as appliances normally located in basements such as your washing machines, dryers, and freezers. You can purchase coverage up to a designated limit:

  • Homeowners can purchase a maximum of $100,000 in contents coverage
  • Businesses can purchase a maximum of $500,000 in contents coverage.

Learn more about each type of coverage by speaking with a local independent insurance agent.

What Is Not Covered by Flood Insurance?

Flood insurance does not cover all flood-related damage. Some things your policy will not cover include:

  • Damage that occurred within 30 days of your policy purchase
  • Personal belongings kept in your basement, even if it is a finished basement
  • Damage caused by earth movement like landslides and mudslides
  • Cleanup and remediation of mold, mildew, or moisture
  • Personal property kept outside your home such as sheds, swing sets, and landscaping
  • Damage or loss of currency and important papers

Talk to your local independent insurance agent for more information about the limitations of a flood insurance policy.


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Our independent agents shop around to find you the best coverage.

Why Work with an Independent Agent in Las Cruces, NM?

Independent agents in Las Cruces can offer you guidance and advice when you are shopping for flood insurance.  They can also provide answers to any of your insurance-related questions. Contact an insurance agent in Las Cruces to learn more about flood insurance and other insurance products that may be beneficial to you.

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