How much flood risk does Mora County actually carry?
Mora County lands at the 50.7th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.1 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Mora County
Mora County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Mora County, not just the ones FEMA mandates, 33% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Mora County compares nationally
Mora County sits at rank 1615 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2875 of 3144 by population (1 is biggest). Mora County, New Mexico covers 1,926.253 square miles and counts roughly 4,096 residents.
What to do next if you own or are buying in Mora County
FEMA counts 3,119 residential structures in Mora County overall, 1,029 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Mora County's numbers. See the data quality guide for why Mora County, like hundreds of other counties, doesn't get a clean compliance percentage.