Natural hazards · Cloudcroft

Cloudcroft, NM natural hazards

Most of the natural-hazard damage FEMA expects in Cloudcroft comes from wildfires, and overall the risk is very high for a U.S. community. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Cloudcroft?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cloudcroft to be higher than in 100% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire73%Inland flooding25%Everything else3%

By hazard

What Cloudcroft faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Wildfire

73% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

25% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightningDroughtAvalanchesVolcanic activity

Not a risk here

Coastal floodingTsunamis

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Cloudcroft flood?

FEMA's records show no paid flood insurance claims in Cloudcroft.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cloudcroft isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Otero County.

Disasters that hit Cloudcroft

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Cloudcroft itself: aid to households, or repair grants to the Village of Cloudcroft.

Brought FEMA money into CloudcroftDeclared for Otero County only

2024

South Fork Fire, Salt Fire, and Flooding

1 household applied for aid

2011

Severe Winter Storm and Extreme Cold Temperatures

$55K to the Village of Cloudcroft for repairs

2008

Severe Storms and Flooding

$2K to the Village of Cloudcroft for repairs

2006

Severe Storms and Flooding

6 households applied for aid $5K aid approved $703K to the Village of Cloudcroft for repairs

Otero County has had 17 natural disasters declared since 1953, most often fires and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Cloudcroft is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Cloudcroft’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cloudcroft. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.