Property Atlas

County hazard profile

Chaves, NM

New Mexico · pop. 65,065 · FIPS 35005

Relatively Moderate
FEMA risk rating · RATING
Drought
dominant hazard
$51M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Chaves $51M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 87.63/100
national median ~50 higher than 88% of counties
Social vulnerabilityRelatively High 73.28/100
national median ~50 near the national middle (73rd percentile)
Community resilienceVery Low 4.29/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Chaves

The National Flood Insurance Program has paid 132 flood-insurance claims totaling $8.2M in Chaves since 1978. The costliest year was 2024 ($7.8M paid).

Flood-insurance dollars paid by year of loss

1978: $3,269 paid 1979: $5,958 paid 1981: $13,756 paid 1985: $966 paid 1990: $3,268 paid 1991: $0 paid 1992: $0 paid 2001: $0 paid 2006: $0 paid 2009: $16,465 paid 2010: $0 paid 2011: $0 paid 2013: $85,963 paid 2014: $84,852 paid 2015: $4,794 paid 2019: $20,028 paid 2021: $21,391 paid 2024: $7,772,492 paid 2025: $148,384 paid 2024 · $7.8M 1978 2025
$8.2M
total paid
$61,982
average claim
$300K
largest single claim
64%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Chaves, NM and where it ranks among U.S. counties. It is not a verdict on whether Chaves is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.