Natural hazards · Spencerville

Spencerville, NM natural hazards

Most of the natural-hazard damage FEMA expects in Spencerville 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 Spencerville?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spencerville to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding84%Cold waves7%Everything else9%

By hazard

What Spencerville faces

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

Inland flooding

84% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once a year in the area

Cold waves

7% 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 windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Spencerville flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Spencerville 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 Spencerville

Federal disasters declared here

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

Brought FEMA money into SpencervilleDeclared for San Juan County only

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

Around Spencerville

Spencerville and the towns around it

Very lowLowModerateHighVery high

Aztecmostly inland floodingHigh

Spencervillemostly inland floodingHigh

Flora Vistamostly inland floodingHigh

South Rivermostly 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. Spencerville 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 Spencerville’s own flood-insurance community; household aid to the registrant’s city; repair grants to Spencerville. 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.