FEMA puts North Hobbs’s expected hazard damage per building above that of 97% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, North Hobbs gets a D− for hazard risk: higher expected damage per building than 97% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then wildfire (25%). Flood insurance has paid 4 claims here since 1992.
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
What North Hobbs 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
Wildfire
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.
What’s behind North Hobbs’ grade
River and rain flooding is 70% of the building damage FEMA expects in North Hobbs, and North Hobbs’ rate of river and rain flooding damage is in the top 2% of U.S. census tracts. Wildfire adds 25%, at a rate in the top 1% of U.S. census tracts.
D− #72 of 73 in New Mexico; higher expected damage per building than 97% of U.S. towns (21,298).
North Hobbs’ residents live in 6 census tracts; FEMA’s figures are combined by where they live.
The typical New Mexico town has higher expected damage than 71% of U.S. towns; within the state, North Hobbs has more expected damage per building than 99% of New Mexico towns.
In dollars, FEMA expects about $6.7M a year in losses across North Hobbs: $6.0M to buildings, the rest to people and crops.
Does North Hobbs flood? Rarely: 4 flood claims since 1992
Every paid claim on a federal flood insurance policy in North Hobbs, from FEMA’s records: 2.0 per 1,000 homes, fewer than 61% of the 13,809 U.S. towns with a flood insurance record.
North Hobbs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lea County.The storms North Hobbs remembers
None of the 3 disasters declared for Lea County shows FEMA aid or repair money reaching North Hobbs itself in FEMA’s records, so these are its biggest flood-claim years.
- 19922 flood claims paidThe year of Thunderstorms, Hail and Flooding, declared for Lea County
- 19951 flood claims paidNo declaration for the county that year
- 20041 flood claims paidNo declaration for the county that year
Lea County has had 3 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Lea County, 2006–2006.
Old photos of North Hobbs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the North Hobbs archive →North Hobbs and its neighbors
North Hobbs is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Hobbs | Dmore damage than 86% | river and rain flooding | 133 |
| North Hobbs | D−more damage than 97% | river and rain flooding | 4 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what North Hobbs faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in North Hobbs
Is North Hobbs at risk for natural disasters?
On FEMA’s National Risk Index, North Hobbs has higher expected damage per building than 97% of U.S. towns: D− for hazard risk. Most of the expected damage is river and rain flooding (70%) and wildfire (25%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does North Hobbs flood?
Flood insurance has paid 4 claims in North Hobbs since 1992, $42K in all, or 2.0 per 1,000 homes, fewer than 61% of U.S. towns with a flood insurance record.
Is North Hobbs 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 Lea County, 24% of homes in mapped flood zones carry federal flood insurance, and 2.8% of all homes do.
How much is flood insurance in North Hobbs?
FEMA’s Community Rating System list shows no discount for North Hobbs’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is North Hobbs at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and North Hobbs’ rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in North Hobbs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Hobbs’ 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.