Property Atlas

County hazard profile

San Miguel, NM

New Mexico · pop. 27,087 · FIPS 35047

Relatively Low
FEMA risk rating · RATING
Wildfire
dominant hazard
$21M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr San Miguel $21M

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 Low 74.59/100
national median ~50 higher than 75% of counties
Social vulnerabilityVery High 92.05/100
national median ~50 among the highest nationally
Community resilienceVery Low 18.45/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in San Miguel

The National Flood Insurance Program has paid 136 flood-insurance claims totaling $808K in San Miguel since 1987. The costliest year was 2024 ($572K paid).

Flood-insurance dollars paid by year of loss

1987: $0 paid 1995: $1,425 paid 1996: $0 paid 1998: $0 paid 2004: $0 paid 2013: $43,290 paid 2014: $20,004 paid 2015: $0 paid 2017: $30,000 paid 2020: $1,970 paid 2022: $82,827 paid 2023: $26,236 paid 2024: $571,934 paid 2025: $30,521 paid 2026: $0 paid 2024 · $572K 1987 2026
$808K
total paid
$5,943
average claim
$58K
largest single claim
23%
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 San Miguel, NM and where it ranks among U.S. counties. It is not a verdict on whether San Miguel 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.