Natural hazards · Clovis

Clovis, NM natural hazards

Most of the natural-hazard damage FEMA expects in Clovis comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 25 claims here since 1984. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Clovis?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clovis to be higher than in 20% of U.S. communities, mostly from inland flooding.

Inland flooding53%Tornadoes12%Hail6%Cold waves6%Winter weather5%Heat waves5%Everything else13%

By hazard

What Clovis faces

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

Inland flooding

53% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once a year in the area

Tornadoes

12% of expected damage

Above average · higher than 71% of U.S. places

Hail

6% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 3 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 2 years in the area

Winter weather

5% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 8 times a year in the area

Heat waves

5% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once a year in the area

Lower here

Ice stormsWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

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 Clovis flood?

Every paid claim on a federal flood insurance policy in Clovis, from FEMA’s records.

25paid claims since 1984

$552Kpaid to owners

2homes flooded more than once

19842026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Clovis is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Curry County.

Disasters that hit Clovis

1 federal disaster brought FEMA money here

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

Brought FEMA money into ClovisDeclared for Curry County only

2007

Severe Storms and Tornadoes

442 households applied for aid $665K aid approved

Curry County has had 4 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. Clovis covers 8 census tracts, combined by population.

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

FEMA’s expected losses across Clovis total about $7.7M a year, counting buildings, people and crops.

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.