🌍 ClimateRiskCheck

Natural Disaster Risk in Ocate

New Mexico

4.3out of 10
Moderate Risk

Risk Summary for Ocate

Ocate scores 4.3/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Avalanche Landslide

All 18 Hazard Scores

Wildfire
9.6
Avalanche
8.5
Landslide
7.9
Drought
6.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Winter Weather
4.6
Lightning
3.7
Earthquake
3.5
Hurricane
2.4
Hail
2.3
Cold Wave
2.0
Tornado
1.7
Ice Storm
1.7
Strong Wind
1.5
Extreme Heat
1.5
Riverine Flooding
1.0

How it compares

Ocate
4.3
New Mexico avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

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

Natural Hazard Profile: Ocate, New Mexico

Located in the Great Plains in Mora County, Ocate is a small unincorporated community. 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 Ocate a community where hazard awareness has real practical value.

Ocate's overall natural disaster risk is rated 4.3/10 (Moderate) by FEMA's National Risk Index. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. Secondary hazards include avalanche and landslide.

Relative to other U.S. communities, Ocate's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.6/10 state average. The hazard distribution here is led by wildfire and avalanche, as measured by FEMA across Mora County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Ocate residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.

What this means for Ocate: Wildfire preparedness

  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.

Local Factors for Ocate

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

Population

115

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.6/10

Coordinates

36.1732Β° N, 105.0936Β° W

Mora 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 Ocate

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Ocate

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.