Climate Risk Summary

Zip Code 88346, Risk Profile

The primary drivers of climate-related financial risk in Ruidoso Downs, NM (88346) are Wildfire, Inland Flooding, and Lightning. This area also faces an unusually high intensity for Winter Weather, Ice Storm, and Landslide compared to national averages.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Wildfire

$2,073,035

Expected Annual Loss for Zip Code 88346

99.6Score

Very High compared to US average

88346 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,859,026

Expected Annual Loss for Zip Code 88346

97.3Score

Very High compared to US average

88346
Minimal Estimated LossMax Estimated Loss

Lightning

$85,911

Expected Annual Loss for Zip Code 88346

98.9Score

Very High compared to US average

88346
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Wildfire
$2,073,035
Score: 99.6
MAJOR DRIVER
Inland Flooding
$1,859,026
Score: 97.3
MAJOR DRIVER
Lightning
$85,911
Score: 98.9
UNUSUALLY HIGH
Winter Weather
$28,034
Score: 97.5
UNUSUALLY HIGH
Ice Storm
$17,690
Score: 86.8
Hail
$17,288
Score: 72.6
Strong Wind
$14,481
Score: 56.0
Cold Wave
$10,955
Score: 27.8
Tornado
$6,582
Score: 22.3
Earthquake
$2,009
Score: 13.5
UNUSUALLY HIGH
Landslide
$1,257
Score: 94.2
Heat Wave
$1,148
Score: 2.6
Drought
$777
Score: 21.1
Hurricane
$455
Score: 30.6
Avalanche
$123
Score: 21.5
Volcanic Activity
$1
Score: 61.3

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 99.6
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 97.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.9
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.5
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 86.8
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 94.2

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 88324Zip Code 88340Zip Code 88345Zip Code 88312Zip Code 88348Zip Code 88336