Natural disaster risk FEMA

New Mexico natural disaster risk

New Mexico ranks #31 of 51 from safest. Its biggest relative risks are wildfire, winter weather, lightning.

Risk score
84.2
Among the highest of U.S. counties
Expected loss per resident
$460
per year, all hazards
Home insurance (median)
$1,260
per year with a mortgage, ACS 2024
Highest relative risks in New Mexico (national percentile)
Higher risk than most U.S. counties
Wildfire92
Winter weather90
Lightning90
Riverine flooding88
Earthquake78
Heat wave74

The vertical line marks the middle of U.S. counties (50).

Risk in New Mexico's largest counties

CountyPopulationRisk scoreFEMA rating
Bernalillo County673,93094.4Relatively High
Doña Ana County224,26696.1Relatively High
Santa Fe County156,10586.0Relatively Moderate
Sandoval County153,60477.0Relatively Low
San Juan County120,94288.3Relatively Moderate
Valencia County78,45882.3Relatively Moderate
Lea County73,73386.0Relatively Moderate
McKinley County70,43178.2Relatively Low
Otero County68,81684.7Relatively Moderate
Chaves County64,21787.6Relatively Moderate
Eddy County61,10583.7Relatively Moderate
Curry County47,63861.8Relatively Low
Rio Arriba County40,07080.5Relatively Low
Taos County34,54374.3Relatively Low
Grant County27,77574.1Relatively Low
San Miguel County26,85074.6Relatively Low
Cibola County26,84558.4Relatively Low
Luna County25,61151.6Relatively Low
Lincoln County20,22479.5Relatively Low
Los Alamos County19,4353.6Very Low
Roosevelt County18,92884.1Relatively Moderate
Socorro County16,20061.5Relatively Low
Torrance County15,49046.2Relatively Low
Colfax County12,32258.5Relatively Low
Sierra County11,50055.8Relatively Low

County scores are averages, and the insurance figure above is what owners with a mortgage reported paying in 2024 (Census American Community Survey); premiums have risen since, especially in high-risk areas. For a specific home, check the address on FEMA's flood map and get insurance quotes before you commit. Our guide explains how to check natural disaster risk before you move.

Lowest-risk counties in New Mexico

Cities in New Mexico

Frequently asked questions

Is New Mexico safe from natural disasters?

New Mexico's population-weighted FEMA risk score is 84.2 out of 100 (among the highest of U.S. counties), #31 of 51 from safest. About 42% of residents live in counties FEMA rates relatively high or very high.

What natural disasters happen in New Mexico?

The highest relative risks in New Mexico are wildfire, winter weather, lightning (national percentile scores 92, 90, 90).

Where is the safest place to live in New Mexico?

Among counties with at least 20,000 people, the lowest FEMA risk scores are in Luna County, Cibola County, Curry County.