"The main reason was the South Fork Fire last year that burned directly west of Ruidoso," Grzywacz said. "The soil wasn't able to absorb any of the rainfall, and it runs right down into Ruidoso. Normally, if you had that vegetation still there, it could absorb it. For the Ruidoso monsoon season, it was above average rain but not record rainfall."

According to the Office of the Superintendent of Insurance, the coverage for unprotected residential dwellings also rose, from $225,000 to $500,000. These changes apply to single - through four-family occupied homes insured under the New Mexico Fair Plan, the state’s insurer of last resort. Commercial property limits remain unchanged.

The neighbouring state of Texas also experienced a major flood just a few days earlier, but with a very different outcome. The ferocity of the inundation in Texas caught forecasters and state officials by surprise, killing at least 119 people.

The resort village of Ruidoso was under a flash flood emergency as slow-moving storms left people trapped in homes and prompted water rescues.

Flash flooding hit a New Mexico town devastated by wildfires last year, washing away at least one home and causing gas leaks, city officials said Tuesday.

The National Weather Service (NWS) issued a flash flood emergency for Ruidoso on Tuesday, warning of rapidly deteriorating conditions and rising river levels

Flash floods in Ruidoso, New Mexico kill 3 people including 2 children in mountain village already devastated by recent wildfires.

Fire restrictions are now lifted in the Gila National Forest – and on Bureau of Land Management public lands in nearly half of New Mexico's counties.