Natural hazards · Shiprock

Shiprock, NM natural hazards

Most of the natural-hazard damage FEMA expects in Shiprock comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Shiprock?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shiprock to be higher than in 64% of U.S. communities, mostly from inland flooding.

Inland flooding76%Cold waves12%Everything else13%

By hazard

What Shiprock faces

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

Inland flooding

76% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Cold waves

12% 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 windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Shiprock flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Shiprock 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 Shiprock

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Shiprock itself: aid to households, or repair grants to Shiprock.

Brought FEMA money into ShiprockDeclared for San Juan County only

2024

South Fork Fire, Salt Fire, and Flooding

1 household applied for aid

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

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. Shiprock covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Shiprock’s own flood-insurance community; household aid to the registrant’s city; repair grants to Shiprock. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Shiprock total about $2.1M 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.