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A−Hazard risk
Natural hazards in Berino · FEMA

FEMA expects less hazard damage per building in Berino than in 85% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Berino gets an A− for hazard risk: lower expected damage per building than 85% of U.S. towns. Most of that expected damage is river and rain flooding (92%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 92%Hail 3%Earthquakes 2%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

less than 85%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in New Mexico · lower than 85% of U.S. towns
Main hazard
River and rain flooding
92% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 7 declared for Dona Ana County
By hazard

What Berino faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

92%of expected building damage
About average · lower than 54% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Hail Earthquakes Wildfire Winter storms Strong wind Ice storms Lightning Cold waves Hurricanes Tornadoes Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 26% of Berino’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Berino’s grade

River and rain flooding is 92% of the building damage FEMA expects in Berino, and Berino’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts.

Where Berino sits
Berino
Least damageMiddleMost damage

A− lower expected damage per building than 85% of U.S. towns (21,298).

All of Berino’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding92%Everything else8%

In dollars, FEMA expects about $738K a year in losses across Berino: $463K to buildings, the rest to people and crops.

Shared tract.All of Berino’s 1,651 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Berino flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Berino. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Berino isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Dona Ana County.
Disasters

2 federal disasters brought FEMA money to Berino

Disasters that paid out in Berino itself (aid to households or repair grants to Berino), newest first, with that year’s flood claims.

  1. 2025Severe Storms, Flooding, and Landslides2 households applied for aid$11K aid approved
  2. 2006Severe Storms and Flooding11 households applied for aid$4K aid approved
Disasters declared, by decade
Paid out in BerinoDona Ana County only

Dona Ana County has had 7 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Berino after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Berino archive →
Be ready

Get ready for what Berino faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Berino

Is Berino at risk for natural disasters?

On FEMA’s National Risk Index, Berino has lower expected damage per building than 85% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (92%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Berino in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Dona Ana County, 16% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.

How much is flood insurance in Berino?

FEMA’s Community Rating System list shows no discount for Berino’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Berino?

By FEMA money that reached Berino, Severe Storms, Flooding, and Landslides (2025): 2 households applied for aid, $11K approved.

Is Berino at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (92%), and Berino’s rate for it is lower than 54% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Berino.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Berino’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.