Natural hazards · Lake Sumner

Lake Sumner, NM natural hazards

Most of the natural-hazard damage FEMA expects in Lake Sumner 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 Lake Sumner?

Very high

vs. U.S. communities

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

Inland flooding52%Drought30%Wildfire11%Everything else7%

By hazard

What Lake Sumner faces

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

Inland flooding

52% of expected damage

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

Recorded about once every 2 years in the area

Drought

30% of expected damage

Recorded about 115 times a year in the area

Wildfire

11% of expected damage

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

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamis

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 Lake Sumner flood?

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

of all homes
are insured

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

Insurance rates: DeBaca County.

Disasters that hit Lake Sumner

Federal disasters declared here

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

Brought FEMA money into Lake SumnerDeclared for DeBaca County only

DeBaca County has had 4 natural disasters declared since 1953, most often floods and hurricanes.

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