Ruidoso, NM natural hazards
Most of the natural-hazard damage FEMA expects in Ruidoso comes from wildfires, and overall the risk is very high for a U.S. community. Flood insurance has paid 185 claims here since 1978. 8 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Ruidoso?
FEMA expects yearly storm and flood damage to homes and buildings in Ruidoso to be higher than in 89% of U.S. communities, mostly from wildfires and inland flooding.
What Ruidoso faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Wildfire
Inland flooding
Lower here
Not a risk here
Does Ruidoso flood?
Every paid claim on a federal flood insurance policy in Ruidoso, from FEMA’s records.
Biggest named events
- 2025 July NM Flooding: 54 claims, $6.6M
Homes that flooded again and again
■ FEMA “severe repetitive loss” (6) ■ flooded 2+ times
are insured
are insured
8 federal disasters brought FEMA money here
Disasters the President declared that paid out in Ruidoso itself: aid to households, or repair grants to the Village of Ruidoso.
Severe Storms, Flooding, and Landslides
South Fork Fire, Salt Fire, and Flooding
Wildfires, Straight-Line Winds, Flooding, Mudflows, and Debris Flows
Flooding
Severe Winter Storm and Extreme Cold Temperatures
Severe Storms and Flooding
Severe Storms and Flooding
Severe Forest Fire
How to read this page
FEMA’s expected losses across Ruidoso total about $3.8M a year, counting buildings, people and crops.
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.