Apache Creek, NM
How exposed is Apache Creek to wildfire?
Apache Creek's 114 buildings earn a 97th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Apache Creek's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Where Apache Creek's buildings actually sit
Direct exposure dominates in Apache Creek: 100% of its 114 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Apache Creek compares
There's little gap between Apache Creek's 97th national percentile and its 94th percentile inside New Mexico, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Apache Creek ranks 824 for wildfire risk (1 is highest) and 28,462 by building count (1 is largest). Within New Mexico alone, it ranks 32 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 97th percentile nationally, Apache Creek carries the very 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.
What would actually reduce this score
Apache Creek's 100% 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 Apache Creek's figures come from
The methodology guide shows exactly how USFS turned 114 counted buildings into the percentiles shown above for Apache Creek. The exposure-zones guide covers what Apache Creek's dominant direct exposure actually means, with real examples from across the dataset.