Eddy County, NM flood risk explained
Flood hazard in Eddy County sits at the 90.7th national percentile, a middling flood hazard by national standards; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 4.6 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Eddy County
Out of 1,802 homes FEMA counts inside Eddy County's mapped flood zone, 201 carry the flood policy federal law requires there — 11.2% compliance, short of full coverage. Looking beyond the mandated zone, 1.1% of all residential structures in Eddy County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Eddy County ranks
Among the 3144 US counties FEMA scores for flood hazard, Eddy County ranks 311 — 1 being the highest hazard nationally — and 878 by population among all 3144 counties covered here, where 1 is the largest. About 61,436 people live in Eddy County, New Mexico, spread over 4,176.348 square miles.
What to do next if you own or are buying in Eddy County
235 of Eddy County's 22,390 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Eddy 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.