Agua Fria, NM
How exposed is Agua Fria to wildfire?
Agua Fria sits at the 73rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,451 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Agua Fria at the 67th percentile, close to its 73rd-percentile risk score.
Where Agua Fria's buildings actually sit
USFS classifies 69% of Agua Fria's buildings as Direct exposure, higher than its 14.3% Indirect share and far above its 16.7% Minimal share — a profile where 1,001 structures sit close enough to vegetation that lot clearing matters most.
Agua Fria against the rest of the country
Agua Fria's 73rd national percentile looks worse in isolation than its 44th ranking inside New Mexico does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Agua Fria ranks 8,572 for wildfire risk (1 is highest) and 9,391 by building count (1 is largest). Within New Mexico alone, it ranks 278 of 495 places by risk. See the full county-by-county picture for New Mexico on its state page.
What this risk score means for insurance
At the 73rd percentile nationally, Agua Fria carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Agua Fria
Agua Fria's 69% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Agua Fria's figures come from
The methodology guide shows exactly how USFS turned 1,451 counted buildings into the percentiles shown above for Agua Fria. The exposure-zones guide covers what Agua Fria's dominant direct exposure actually means, with real examples from across the dataset.