Natural Disaster Risk — ZIP Code 88419

Natural Hazard Profile: ZIP 88419, New Mexico

ZIP 88419 covers part of the Folsom 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 88419's composite natural disaster risk at 4.8 out of 10 — moderate risk. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Residents should also account for wildfire and avalanche risk in their preparedness planning.

ZIP 88419's risk score, slightly below the 5.6/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are drought, wildfire, and avalanche. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 88419's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that drought exposure is adequately protected is a worthwhile step for property owners.