🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 87525

Taos Ski Valley, New Mexico

5.6out of 10
Moderate Risk

Risk Summary for ZIP 87525

ZIP 87525 scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Wildfire Landslide

All 18 Hazard Scores

Avalanche
9.9
Wildfire
9.7
Winter Weather
9.4
Landslide
9.4
Lightning
8.9
Drought
6.8
Earthquake
6.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Cold Wave
4.6
Tornado
3.1
Hail
2.8
Hurricane
2.4
Ice Storm
2.2
Strong Wind
2.1
Extreme Heat
2.1
Riverine Flooding
1.0

How it compares

ZIP 87525
5.6
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: ZIP 87525, New Mexico

ZIP 87525 covers part of the Taos Ski Valley area, in the Great Plains. The surrounding region experiences hot, dry summers and cold winters with dramatic elevation variation, with a late-summer monsoon season with flash flood risk shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 87525's composite natural disaster risk at 5.6 out of 10 β€” moderate risk. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Residents should also account for wildfire and landslide risk in their preparedness planning.

ZIP 87525's risk score, near the 5.6/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are avalanche, wildfire, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 87525 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 avalanche is recommended.

What this means for ZIP 87525: Avalanche preparedness

  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.

Risk for the surrounding area

Local Factors for ZIP 87525

These city-level factors differentiate ZIP 87525 from other communities in New Mexico County and provide geographic context for its hazard exposure.

Population

65

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.7/10

Coordinates

36.5985Β° N, 105.4981Β° 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 87525

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.