Natural hazards · Fence Lake

Fence Lake, NM natural hazards

Most of the natural-hazard damage FEMA expects in Fence Lake comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Fence Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fence Lake to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding67%Wildfire13%Cold waves8%Lightning6%Everything else5%

By hazard

What Fence Lake faces

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

Inland flooding

67% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once a year in the area

Wildfire

13% of expected damage

Well above average · higher than 96% of U.S. places

Cold waves

8% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once every 19 years in the area

Lightning

6% of expected damage

Well below average · higher than 19% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windDroughtAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesTsunamis

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 Fence Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cibola County.

Disasters that hit Fence Lake

Federal disasters declared here

None of the disasters declared for Cibola County shows FEMA aid or repair money reaching Fence Lake itself in FEMA’s records.

Brought FEMA money into Fence LakeDeclared for Cibola County only

Cibola County has had 6 natural disasters declared since 1953, most often floods 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. Fence Lake 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 Fence Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Fence Lake. 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.