Cibola County, NM: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Cibola County scores at the 73.4th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Out of 828 homes FEMA counts inside Cibola County's mapped flood zone, 59 carry the flood policy federal law requires there — 7.1% compliance, short of full coverage. Looking beyond the mandated zone, 0.6% of all residential structures in Cibola County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Cibola County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Cibola County ranks 876 — 1 being the highest hazard nationally — and 1550 by population among all 3144 counties covered here, where 1 is the largest. Cibola County, New Mexico is home to about 26,686 people across 4,539.984 square miles of land.
Checking a specific address in Cibola County
62 of Cibola County's 10,511 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Cibola County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.