Natural hazards · Navajo Dam

Navajo Dam, NM natural hazards

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

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

Expected damage

How exposed is Navajo Dam?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Navajo Dam to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding83%Cold waves6%Everything else11%

By hazard

What Navajo Dam faces

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

Inland flooding

83% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once a year in the area

Cold waves

6% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once every 19 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingHurricanesDroughtTsunamisVolcanic 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 Navajo Dam flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: San Juan County.

Disasters that hit Navajo Dam

Federal disasters declared here

None of the disasters declared for San Juan County shows FEMA aid or repair money reaching Navajo Dam itself in FEMA’s records.

Brought FEMA money into Navajo DamDeclared for San Juan County only

San Juan County has had 8 natural disasters declared since 1953, most often fires and floods.

Around Navajo Dam

Navajo Dam and the towns around it

Very lowLowModerateHighVery high

Navajo Dammostly inland floodingHigh

Blancomostly inland floodingHigh

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