🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 87008

Cedar Crest, New Mexico

7.5out of 10
High Risk

Risk Summary for ZIP 87008

ZIP 87008 scores 7.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Earthquake Lightning

All 18 Hazard Scores

Winter Weather
9.9
Earthquake
9.8
Lightning
9.8
Wildfire
9.6
Hail
9.6
Extreme Heat
9.6
Volcanic Activity
9.3
Avalanche
8.5
Strong Wind
8.2
Ice Storm
7.1
Drought
6.3
Tornado
6.2
Cold Wave
6.2
Tsunami
5.4
Landslide
5.0
Coastal Flooding
4.9
Hurricane
2.4
Riverine Flooding
1.0

How it compares

ZIP 87008
7.5
New Mexico avg.
5.6
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: ZIP 87008, New Mexico

ZIP 87008 in Cedar Crest sits in the arid interior West. Its semi-arid climate produces hot, dry summers and cold winters with dramatic elevation variation, and notably a late-summer monsoon season with flash flood risk. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 87008 carries an overall risk score of 7.5/10, placing it in the high category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to earthquake and lightning.

Within New Mexico, ZIP 87008's risk is, considerably above the 5.6/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of New Mexico identifies winter as the foremost hazard, followed by earthquake and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 87008's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for ZIP 87008: Winter Weather preparedness

  • Clear roof snow loads when heavy to prevent structural strain and ice dams.
  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.

Risk for the surrounding area

Local Factors for ZIP 87008

These city-level factors differentiate ZIP 87008 from other communities in New Mexico County and provide geographic context for its hazard exposure.

Population

2,520

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 35.1Β°

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

35.1478Β° N, 106.3913Β° W

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

Recent Climate Data for ZIP 87008

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in New Mexico

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.