Atoka, NM
How exposed is Atoka to wildfire?
Atoka's 1,054 buildings earn a 74th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Atoka's burn probability — fire likelihood with no building count factored in — sits at the 74th percentile nationally.
Where Atoka's buildings actually sit
Direct exposure dominates in Atoka: 86.6% of its 1,054 buildings, versus 13.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Atoka compares
Inside New Mexico, Atoka sits at just the 45th percentile even though it scores 74th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Atoka ranks 8,258 for wildfire risk (1 is highest) and 11,574 by building count (1 is largest). Within New Mexico alone, it ranks 272 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
Atoka's high rating (74th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With 86.6% of Atoka in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,054 counted buildings into the percentiles shown above for Atoka. For more on what direct exposure implies beyond Atoka, see the exposure-zones guide.