Natural hazards · Tome

Tome, NM natural hazards

Most of the natural-hazard damage FEMA expects in Tome comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Tome?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tome to be higher than in 83% of U.S. communities, mostly from inland flooding.

Inland flooding78%Earthquakes13%Everything else9%

By hazard

What Tome faces

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

Inland flooding

78% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 2 years in the area

Earthquakes

13% of expected damage

Well above average · higher than 82% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Tome flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Valencia County.

Disasters that hit Tome

Federal disasters declared here

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

Brought FEMA money into TomeDeclared for Valencia County only

Valencia County has had 13 natural disasters declared since 1953, most often fires and floods.

Around Tome

Tome and the towns around it

Very lowLowModerateHighVery high

Los Chavesmostly inland floodingVery high

Tomemostly inland floodingVery high

Adelinomostly inland floodingVery high

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. Tome covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Tome’s own flood-insurance community; household aid to the registrant’s city; repair grants to Tome. 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 Tome total about $2.0M 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.