🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 87328

Navajo, New Mexico

6.4out of 10
High Risk

Risk Summary for ZIP 87328

ZIP 87328 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

ZIP 87328
6.4
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 87328, New Mexico

Located in the Great Plains, ZIP 87328 serves the Navajo community. The semi-arid climate of this part of New Mexico β€” bringing hot, dry summers and cold winters with dramatic elevation variation β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 87328's overall natural disaster risk is rated 6.4/10 (High) by FEMA's National Risk Index. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. Secondary hazards include wildfire and volcano.

Relative to other U.S. communities, ZIP 87328's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.6/10 state average. The hazard distribution here is led by lightning and wildfire, as measured by FEMA across New Mexico. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, ZIP 87328 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 ZIP 87328: 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.

Risk for the surrounding area

Local Factors for ZIP 87328

These city-level factors differentiate ZIP 87328 from other communities in New Mexico 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

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 87328

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.