Risk Index · Bernalillo County · 2026-06-13
Albuquerque, NM real-estate risk
- Risk score
- 94.4/100
- Relatively High
- Expected annual loss
- $154M
- all hazards, county-wide
- Buildings-only loss
- $120M
- what owners and insurers carry
- Population
- 676K
- Bernalillo County
Albuquerque, NM (Bernalillo County) carries a FEMA National Risk Index score of 94.4/100, rated "Relatively High" and driven mainly by earthquake and riverine flood, with roughly $154M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Earthquake97.7
- Riverine flood96.3
- Heat wave95.4
- Wildfire95
- Hail95
- Strong wind79
- Drought57.8
- Tornado56.1
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Albuquerque risk questions
Is Albuquerque, NM a high-risk area for real estate?
Albuquerque scores 94.4/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $154M per year.
What is the biggest natural hazard in Albuquerque?
The highest-rated hazard is earthquake (97.7/100), followed by riverine flood (96.3/100).
How does hazard risk affect property insurance in Albuquerque?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.