Natural hazards · Waterflow

Waterflow, NM natural hazards

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

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

Expected damage

How exposed is Waterflow?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Waterflow to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding78%Cold waves8%Everything else14%

By hazard

What Waterflow 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 80% of U.S. places

Recorded about once a year in the area

Cold waves

8% 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 Waterflow flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Waterflow 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 Waterflow

Federal disasters declared here

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

Brought FEMA money into WaterflowDeclared for San Juan County only

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

Around Waterflow

Waterflow and the towns around it

Very lowLowModerateHighVery high

Waterflowmostly inland floodingModerate

Nenahnezadmostly droughtModerate

Fruitlandmostly inland floodingVery low

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