🌍 ClimateRiskCheck

Natural Disaster Risk in Navajo

New Mexico

6.4out of 10
High Risk

Risk Summary for Navajo

Navajo scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Wildfire Volcanic Activity

All 18 Hazard Scores

Lightning
9.9
Wildfire
9.8
Volcanic Activity
9.6
Landslide
9.4
Winter Weather
9.2
Avalanche
9.1
Earthquake
7.2
Cold Wave
6.7
Ice Storm
6.1
Drought
5.6
Extreme Heat
5.4
Tsunami
5.4
Coastal Flooding
4.9
Hurricane
4.1
Strong Wind
2.0
Hail
2.0
Tornado
1.6
Riverine Flooding
1.0

How it compares

Navajo
6.4
New Mexico avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Navajo, New Mexico

Located in the Great Plains in Apache County, Navajo is a town of roughly 3,043 residents. The semi-arid climate that characterizes this part of New Mexico β€” marked by hot, dry summers and cold winters with dramatic elevation variation β€” directly influences the types and severity of natural hazards present, making Navajo a community where hazard awareness has real practical value.

FEMA rates Navajo's composite natural disaster risk at 6.4 out of 10 β€” high risk. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. Residents should also account for wildfire and volcano risk in their preparedness planning.

Relative to other U.S. communities, Navajo's natural disaster risk is above the U.S. national average of 4.5/10, near the 6.1/10 state average. The hazard distribution here is led by lightning and wildfire, as measured by FEMA across Apache County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Navajo residents benefit from taking preparedness seriously. Reviewing insurance coverage for lightning and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Navajo: Lightning preparedness

  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.

Local Factors for Navajo

These city-level factors differentiate Navajo from other communities in Apache County and provide geographic context for its hazard exposure.

Population

3,043

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.8/10

Coordinates

36.0254Β° N, 109.0364Β° W

Apache County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Navajo

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Navajo

Other cities in New Mexico

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.