🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 87549

Ojo Caliente, New Mexico

5.6out of 10
Moderate Risk

Risk Summary for ZIP 87549

ZIP 87549 scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Landslide Lightning

All 18 Hazard Scores

Wildfire
9.7
Landslide
9.6
Lightning
9.5
Avalanche
8.9
Earthquake
8.2
Drought
7.4
Winter Weather
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Extreme Heat
3.9
Cold Wave
3.9
Hail
3.7
Hurricane
2.4
Strong Wind
2.4
Ice Storm
2.4
Tornado
2.3
Riverine Flooding
1.0

How it compares

ZIP 87549
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 87549, New Mexico

ZIP 87549 covers part of the Ojo Caliente 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 87549's composite natural disaster risk at 5.6 out of 10 β€” moderate risk. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Residents should also account for landslide and lightning risk in their preparedness planning.

ZIP 87549'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 wildfire, landslide, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 87549 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 ZIP 87549: Wildfire preparedness

  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • 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.

Risk for the surrounding area

Local Factors for ZIP 87549

These city-level factors differentiate ZIP 87549 from other communities in New Mexico County and provide geographic context for its hazard exposure.

Population

933

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: 9.7/10

Coordinates

36.2324Β° N, 106.0568Β° 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 87549

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.