Photo: AllenS · Public domainOn FEMA’s figures, Radium Springs faces more hazard damage per building than 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Radium Springs gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns. Most of that expected damage is river and rain flooding (95%). FEMA’s files show no paid flood insurance claims here.
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 Radium Springs 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
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 Radium Springs’ grade
River and rain flooding is 95% of the building damage FEMA expects in Radium Springs, and Radium Springs’ rate of river and rain flooding damage is higher than 87% of U.S. census tracts.
C higher expected damage per building than 73% of U.S. towns (21,298).
All of Radium Springs’ residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $612K a year in losses across Radium Springs: $422K to buildings, the rest to people and crops.
Does Radium Springs flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Radium Springs. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Radium Springs 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.1 federal disaster brought FEMA money to Radium Springs
Disasters that paid out in Radium Springs itself (aid to households or repair grants to Radium Springs), newest first, with that year’s flood claims.
- 2006Severe Storms and Flooding23 households applied for aid$28K aid approved
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.
Old photos of Radium Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Radium Springs archive →Get ready for what Radium Springs 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.
- 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 Radium Springs
Is Radium Springs at risk for natural disasters?
On FEMA’s National Risk Index, Radium Springs has higher expected damage per building than 73% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (95%). 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 Radium Springs 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 Radium Springs?
FEMA’s Community Rating System list shows no discount for Radium Springs’ 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 Radium Springs?
By FEMA money that reached Radium Springs, Severe Storms and Flooding (2006): 23 households applied for aid, $28K approved.
Is Radium Springs at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Radium Springs’ rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Radium Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Radium Springs’ 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.