Natural hazards · Reserve

Reserve, NM natural hazards

Most of the natural-hazard damage FEMA expects in Reserve comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2013.

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

Expected damage

How exposed is Reserve?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Reserve to be higher than in 100% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding47%Wildfire46%Lightning5%Everything else2%

By hazard

What Reserve faces

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

Inland flooding

47% of expected damage

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

Recorded about once a year in the area

Wildfire

46% of expected damage

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

Lightning

5% of expected damage

Well below average · higher than 20% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat 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 Reserve flood?

Every paid claim on a federal flood insurance policy in Reserve, from FEMA’s records.

1paid claims since 2013

$19Kpaid to owners

0homes flooded more than once

20132026

of all homes
are insured

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

Insurance rates: Catron County.

Disasters that hit Reserve

Federal disasters declared here

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

Brought FEMA money into ReserveDeclared for Catron County only

Catron County has had 10 natural disasters declared since 1953, most often floods 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. Reserve 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 Reserve’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Reserve. 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.