Natural hazards · Ojo Caliente

Ojo Caliente, NM natural hazards

Most of the natural-hazard damage FEMA expects in Ojo Caliente comes from avalanches, 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 Ojo Caliente?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ojo Caliente to be higher than in 71% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches59%Inland flooding28%Everything else13%

By hazard

What Ojo Caliente faces

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

Avalanches

59% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 8 years in the area

Inland flooding

28% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic 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 Ojo Caliente flood?

FEMA's records show no paid flood insurance claims in Ojo Caliente.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Taos County.

Disasters that hit Ojo Caliente

Federal disasters declared here

None of the disasters declared for Taos County shows FEMA aid or repair money reaching Ojo Caliente itself in FEMA’s records.

Brought FEMA money into Ojo CalienteDeclared for Taos County only

Taos County has had 7 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. Ojo Caliente 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 Ojo Caliente’s own flood-insurance community; household aid to the registrant’s city; repair grants to Ojo Caliente. 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.