Natural hazards · La Joya

La Joya, NM natural hazards

Most of the natural-hazard damage FEMA expects in La Joya comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is La Joya?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in La Joya to be higher than in 89% of U.S. communities, mostly from inland flooding.

Inland flooding71%Drought8%Hail7%Everything else15%

By hazard

What La Joya faces

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

Inland flooding

71% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Drought

8% of expected damage

Recorded about 85 times a year in the area

Hail

7% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 3 years in the area

Lower here

TornadoesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanchesVolcanic 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 La Joya flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Socorro County.

Disasters that hit La Joya

Federal disasters declared here

None of the disasters declared for Socorro County shows FEMA aid or repair money reaching La Joya itself in FEMA’s records.

Brought FEMA money into La JoyaDeclared for Socorro County only

Socorro County has had 9 natural disasters declared since 1953, most often severe storms and fires.

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. La Joya 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 La Joya’s own flood-insurance community; household aid to the registrant’s city; repair grants to La Joya. 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.