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Cloudcroft NM 07-04-05Photo: Edward Jackson. · Public domain
–Not graded
Natural hazards in Cloudcroft · FEMA

Storms, floods and disasters in Cloudcroft

Cloudcroft isn’t graded for hazard risk: Cloudcroft has 630 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 11 declared for Otero County
By hazard

What Cloudcroft faces

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

Wildfire

73%of expected building damage
Well above average · in the top 1% of U.S. census tracts

River and rain flooding

26%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hail Ice storms Winter storms top 2% Tornadoes Strong wind Hurricanes Earthquakes Cold waves Heat waves Landslides Lightning Avalanches top 1% Volcanic activity
FEMA models no building damage here
Coastal floodingTsunamis

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.
Flood insurance claims

Does Cloudcroft flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Cloudcroft. 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

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

Insurance rates: Otero County.
Disasters

3 federal disasters brought FEMA money to Cloudcroft

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

  1. 2011Severe Winter Storm and Extreme Cold Temperatures$55K to the Village of Cloudcroft for repairs
  2. 2008Severe Storms and Flooding$2K to the Village of Cloudcroft for repairs
  3. 2006Severe Storms and Flooding6 households applied for aid$5K aid approved$703K to the Village of Cloudcroft for repairs
Disasters declared, by decade
Paid out in CloudcroftOtero County only

Otero County has had 11 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.

Also 9 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Otero County, 2000–2024.

Were you here?

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

Add to the Cloudcroft archive →
Be ready

Get ready for what Cloudcroft faces

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

Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
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 Cloudcroft

Is Cloudcroft 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 Otero County, 13% of homes in mapped flood zones carry federal flood insurance, and 2.7% of all homes do.

How much is flood insurance in Cloudcroft?

FEMA’s Community Rating System list shows no discount for Cloudcroft’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 Cloudcroft?

By FEMA money that reached Cloudcroft, Severe Storms and Flooding (2006): 6 households applied for aid, $5K approved, and $703K to the Village of Cloudcroft for repairs.

Storm stories

Memories, warnings and help from neighbors in Cloudcroft.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cloudcroft’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.